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$17,821
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,375
−HK$563/mo
Today · 4.125%
HK$18,938
baseline
▲ 0.50% · 4.625%
HK$20,090
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,876/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,825
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,357
−HK$539/mo
Today · 4.125%
HK$20,896
baseline
▲ 0.50% · 4.625%
HK$21,998
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,792/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,385
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,050
−HK$676/mo
Today · 4.125%
HK$22,726
baseline
▲ 0.50% · 4.625%
HK$24,108
+HK$1,382/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,452/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,790
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,428
−HK$647/mo
Today · 4.125%
HK$25,075
baseline
▲ 0.50% · 4.625%
HK$26,397
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,150/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,949
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,725
−HK$788/mo
Today · 4.125%
HK$26,513
baseline
▲ 0.50% · 4.625%
HK$28,126
+HK$1,613/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,026/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,755
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,500
−HK$755/mo
Today · 4.125%
HK$29,255
baseline
▲ 0.50% · 4.625%
HK$30,797
+HK$1,542/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,510/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,077
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,075
−HK$1,013/mo
Today · 4.125%
HK$34,088
baseline
▲ 0.50% · 4.625%
HK$36,163
+HK$2,075/mo
Deposit HK$782K · loan HK$7.03M · min. income ≈ HK$68,176/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,685
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,642
−HK$971/mo
Today · 4.125%
HK$37,613
baseline
▲ 0.50% · 4.625%
HK$39,596
+HK$1,983/mo
Deposit HK$782K · loan HK$7.03M · min. income ≈ HK$75,226/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,454 · 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).