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$17,859
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,414
−HK$565/mo
Today · 4.125%
HK$18,979
baseline
▲ 0.50% · 4.625%
HK$20,133
+HK$1,154/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,958/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,868
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,400
−HK$541/mo
Today · 4.125%
HK$20,941
baseline
▲ 0.50% · 4.625%
HK$22,045
+HK$1,104/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,882/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,430
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,097
−HK$677/mo
Today · 4.125%
HK$22,774
baseline
▲ 0.50% · 4.625%
HK$24,160
+HK$1,386/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,548/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,841
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,480
−HK$649/mo
Today · 4.125%
HK$25,129
baseline
▲ 0.50% · 4.625%
HK$26,454
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,258/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,002
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,780
−HK$790/mo
Today · 4.125%
HK$26,570
baseline
▲ 0.50% · 4.625%
HK$28,187
+HK$1,617/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,140/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,815
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,561
−HK$756/mo
Today · 4.125%
HK$29,317
baseline
▲ 0.50% · 4.625%
HK$30,863
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,634/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,146
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,145
−HK$1,016/mo
Today · 4.125%
HK$34,161
baseline
▲ 0.50% · 4.625%
HK$36,240
+HK$2,079/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,322/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,762
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,721
−HK$973/mo
Today · 4.125%
HK$37,694
baseline
▲ 0.50% · 4.625%
HK$39,681
+HK$1,987/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,388/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,956 · 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).