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$17,857
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,413
−HK$564/mo
Today · 4.125%
HK$18,977
baseline
▲ 0.50% · 4.625%
HK$20,132
+HK$1,155/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,954/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,866
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,399
−HK$540/mo
Today · 4.125%
HK$20,939
baseline
▲ 0.50% · 4.625%
HK$22,043
+HK$1,104/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,878/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,429
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,095
−HK$678/mo
Today · 4.125%
HK$22,773
baseline
▲ 0.50% · 4.625%
HK$24,158
+HK$1,385/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,546/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,839
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,479
−HK$648/mo
Today · 4.125%
HK$25,127
baseline
▲ 0.50% · 4.625%
HK$26,452
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,254/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,000
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,778
−HK$790/mo
Today · 4.125%
HK$26,568
baseline
▲ 0.50% · 4.625%
HK$28,185
+HK$1,617/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,136/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,813
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,558
−HK$757/mo
Today · 4.125%
HK$29,315
baseline
▲ 0.50% · 4.625%
HK$30,860
+HK$1,545/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,630/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,143
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,143
−HK$1,016/mo
Today · 4.125%
HK$34,159
baseline
▲ 0.50% · 4.625%
HK$36,237
+HK$2,078/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,318/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,759
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,718
−HK$973/mo
Today · 4.125%
HK$37,691
baseline
▲ 0.50% · 4.625%
HK$39,678
+HK$1,987/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,382/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,939 · 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).