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$17,823
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,377
−HK$563/mo
Today · 4.125%
HK$18,940
baseline
▲ 0.50% · 4.625%
HK$20,093
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,880/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,828
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,359
−HK$540/mo
Today · 4.125%
HK$20,899
baseline
▲ 0.50% · 4.625%
HK$22,001
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,798/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,387
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,053
−HK$676/mo
Today · 4.125%
HK$22,729
baseline
▲ 0.50% · 4.625%
HK$24,112
+HK$1,383/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,458/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,793
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,431
−HK$648/mo
Today · 4.125%
HK$25,079
baseline
▲ 0.50% · 4.625%
HK$26,401
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,158/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,952
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,728
−HK$789/mo
Today · 4.125%
HK$26,517
baseline
▲ 0.50% · 4.625%
HK$28,130
+HK$1,613/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,034/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,759
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,503
−HK$755/mo
Today · 4.125%
HK$29,258
baseline
▲ 0.50% · 4.625%
HK$30,801
+HK$1,543/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,516/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,081
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,079
−HK$1,014/mo
Today · 4.125%
HK$34,093
baseline
▲ 0.50% · 4.625%
HK$36,167
+HK$2,074/mo
Deposit HK$782K · loan HK$7.03M · min. income ≈ HK$68,186/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,690
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,647
−HK$971/mo
Today · 4.125%
HK$37,618
baseline
▲ 0.50% · 4.625%
HK$39,601
+HK$1,983/mo
Deposit HK$782K · loan HK$7.03M · min. income ≈ HK$75,236/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,485 · 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).