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$17,862
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,417
−HK$565/mo
Today · 4.125%
HK$18,982
baseline
▲ 0.50% · 4.625%
HK$20,137
+HK$1,155/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,964/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,871
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,404
−HK$540/mo
Today · 4.125%
HK$20,944
baseline
▲ 0.50% · 4.625%
HK$22,048
+HK$1,104/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,888/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,434
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,101
−HK$677/mo
Today · 4.125%
HK$22,778
baseline
▲ 0.50% · 4.625%
HK$24,164
+HK$1,386/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,556/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,845
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,484
−HK$649/mo
Today · 4.125%
HK$25,133
baseline
▲ 0.50% · 4.625%
HK$26,458
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,266/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,006
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,784
−HK$790/mo
Today · 4.125%
HK$26,574
baseline
▲ 0.50% · 4.625%
HK$28,191
+HK$1,617/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,148/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,819
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,565
−HK$757/mo
Today · 4.125%
HK$29,322
baseline
▲ 0.50% · 4.625%
HK$30,868
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,644/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,151
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,151
−HK$1,016/mo
Today · 4.125%
HK$34,167
baseline
▲ 0.50% · 4.625%
HK$36,246
+HK$2,079/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,334/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,767
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,727
−HK$973/mo
Today · 4.125%
HK$37,700
baseline
▲ 0.50% · 4.625%
HK$39,687
+HK$1,987/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,400/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,994 · 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).