The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$17,846
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,401
−HK$564/mo
Today · 4.125%
HK$18,965
baseline
▲ 0.50% · 4.625%
HK$20,119
+HK$1,154/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,930/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,853
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,386
−HK$540/mo
Today · 4.125%
HK$20,926
baseline
▲ 0.50% · 4.625%
HK$22,029
+HK$1,103/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,852/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,415
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,081
−HK$677/mo
Today · 4.125%
HK$22,758
baseline
▲ 0.50% · 4.625%
HK$24,143
+HK$1,385/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,516/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,824
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,463
−HK$648/mo
Today · 4.125%
HK$25,111
baseline
▲ 0.50% · 4.625%
HK$26,435
+HK$1,324/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,222/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,984
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,761
−HK$790/mo
Today · 4.125%
HK$26,551
baseline
▲ 0.50% · 4.625%
HK$28,166
+HK$1,615/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,102/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,795
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,540
−HK$756/mo
Today · 4.125%
HK$29,296
baseline
▲ 0.50% · 4.625%
HK$30,840
+HK$1,544/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,592/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,122
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,122
−HK$1,015/mo
Today · 4.125%
HK$34,137
baseline
▲ 0.50% · 4.625%
HK$36,214
+HK$2,077/mo
Deposit HK$783K · loan HK$7.04M · min. income ≈ HK$68,274/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,736
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,694
−HK$973/mo
Today · 4.125%
HK$37,667
baseline
▲ 0.50% · 4.625%
HK$39,652
+HK$1,985/mo
Deposit HK$783K · loan HK$7.04M · min. income ≈ HK$75,334/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,787 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).