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$17,805
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,358
−HK$563/mo
Today · 4.125%
HK$18,921
baseline
▲ 0.50% · 4.625%
HK$20,072
+HK$1,151/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,842/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,807
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,339
−HK$539/mo
Today · 4.125%
HK$20,878
baseline
▲ 0.50% · 4.625%
HK$21,978
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,756/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,366
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,030
−HK$675/mo
Today · 4.125%
HK$22,705
baseline
▲ 0.50% · 4.625%
HK$24,087
+HK$1,382/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,410/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,769
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,406
−HK$647/mo
Today · 4.125%
HK$25,053
baseline
▲ 0.50% · 4.625%
HK$26,374
+HK$1,321/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,106/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,926
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,702
−HK$788/mo
Today · 4.125%
HK$26,490
baseline
▲ 0.50% · 4.625%
HK$28,101
+HK$1,611/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$52,980/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,730
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,474
−HK$755/mo
Today · 4.125%
HK$29,229
baseline
▲ 0.50% · 4.625%
HK$30,769
+HK$1,540/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,458/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,048
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,045
−HK$1,013/mo
Today · 4.125%
HK$34,058
baseline
▲ 0.50% · 4.625%
HK$36,130
+HK$2,072/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,116/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,653
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,610
−HK$970/mo
Today · 4.125%
HK$37,580
baseline
▲ 0.50% · 4.625%
HK$39,561
+HK$1,981/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,160/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,245 · 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).