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$17,807
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,361
−HK$563/mo
Today · 4.125%
HK$18,924
baseline
▲ 0.50% · 4.625%
HK$20,075
+HK$1,151/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,848/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,810
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,341
−HK$539/mo
Today · 4.125%
HK$20,880
baseline
▲ 0.50% · 4.625%
HK$21,981
+HK$1,101/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,760/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,368
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,033
−HK$675/mo
Today · 4.125%
HK$22,708
baseline
▲ 0.50% · 4.625%
HK$24,090
+HK$1,382/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$45,416/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,772
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,410
−HK$646/mo
Today · 4.125%
HK$25,056
baseline
▲ 0.50% · 4.625%
HK$26,377
+HK$1,321/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$50,112/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,930
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,705
−HK$788/mo
Today · 4.125%
HK$26,493
baseline
▲ 0.50% · 4.625%
HK$28,105
+HK$1,612/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$52,986/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,734
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,478
−HK$754/mo
Today · 4.125%
HK$29,232
baseline
▲ 0.50% · 4.625%
HK$30,773
+HK$1,541/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,464/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,053
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,050
−HK$1,012/mo
Today · 4.125%
HK$34,062
baseline
▲ 0.50% · 4.625%
HK$36,135
+HK$2,073/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,124/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,658
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,614
−HK$971/mo
Today · 4.125%
HK$37,585
baseline
▲ 0.50% · 4.625%
HK$39,566
+HK$1,981/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,170/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,276 · 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).