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$17,867
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,423
−HK$564/mo
Today · 4.125%
HK$18,987
baseline
▲ 0.50% · 4.625%
HK$20,143
+HK$1,156/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,974/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,877
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,410
−HK$541/mo
Today · 4.125%
HK$20,951
baseline
▲ 0.50% · 4.625%
HK$22,055
+HK$1,104/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,902/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,440
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,107
−HK$678/mo
Today · 4.125%
HK$22,785
baseline
▲ 0.50% · 4.625%
HK$24,171
+HK$1,386/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,570/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,852
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,492
−HK$649/mo
Today · 4.125%
HK$25,141
baseline
▲ 0.50% · 4.625%
HK$26,466
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,282/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,014
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,792
−HK$790/mo
Today · 4.125%
HK$26,582
baseline
▲ 0.50% · 4.625%
HK$28,200
+HK$1,618/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,164/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,827
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,574
−HK$757/mo
Today · 4.125%
HK$29,331
baseline
▲ 0.50% · 4.625%
HK$30,877
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,662/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,160
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,161
−HK$1,016/mo
Today · 4.125%
HK$34,177
baseline
▲ 0.50% · 4.625%
HK$36,257
+HK$2,080/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$68,354/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,778
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,738
−HK$973/mo
Today · 4.125%
HK$37,711
baseline
▲ 0.50% · 4.625%
HK$39,699
+HK$1,988/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$75,422/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,064 · 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).