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$17,798
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,351
−HK$563/mo
Today · 4.125%
HK$18,914
baseline
▲ 0.50% · 4.625%
HK$20,065
+HK$1,151/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,828/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,800
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,331
−HK$538/mo
Today · 4.125%
HK$20,869
baseline
▲ 0.50% · 4.625%
HK$21,969
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,738/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,357
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,021
−HK$675/mo
Today · 4.125%
HK$22,696
baseline
▲ 0.50% · 4.625%
HK$24,077
+HK$1,381/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,392/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,760
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,397
−HK$646/mo
Today · 4.125%
HK$25,043
baseline
▲ 0.50% · 4.625%
HK$26,363
+HK$1,320/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,086/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,917
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,692
−HK$787/mo
Today · 4.125%
HK$26,479
baseline
▲ 0.50% · 4.625%
HK$28,090
+HK$1,611/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,958/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,719
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,463
−HK$754/mo
Today · 4.125%
HK$29,217
baseline
▲ 0.50% · 4.625%
HK$30,757
+HK$1,540/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,434/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,036
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,032
−HK$1,013/mo
Today · 4.125%
HK$34,045
baseline
▲ 0.50% · 4.625%
HK$36,116
+HK$2,071/mo
Deposit HK$781K · loan HK$7.02M · min. income ≈ HK$68,090/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,639
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,595
−HK$970/mo
Today · 4.125%
HK$37,565
baseline
▲ 0.50% · 4.625%
HK$39,545
+HK$1,980/mo
Deposit HK$781K · loan HK$7.02M · min. income ≈ HK$75,130/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,153 · 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).