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$17,779
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,332
−HK$562/mo
Today · 4.125%
HK$18,894
baseline
▲ 0.50% · 4.625%
HK$20,043
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,788/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,779
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,309
−HK$538/mo
Today · 4.125%
HK$20,847
baseline
▲ 0.50% · 4.625%
HK$21,946
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,694/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,335
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,998
−HK$674/mo
Today · 4.125%
HK$22,672
baseline
▲ 0.50% · 4.625%
HK$24,052
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,344/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,734
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,371
−HK$646/mo
Today · 4.125%
HK$25,017
baseline
▲ 0.50% · 4.625%
HK$26,335
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,034/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,890
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,665
−HK$786/mo
Today · 4.125%
HK$26,451
baseline
▲ 0.50% · 4.625%
HK$28,061
+HK$1,610/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,902/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,690
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,433
−HK$753/mo
Today · 4.125%
HK$29,186
baseline
▲ 0.50% · 4.625%
HK$30,725
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,372/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,002
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,997
−HK$1,012/mo
Today · 4.125%
HK$34,009
baseline
▲ 0.50% · 4.625%
HK$36,078
+HK$2,069/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,018/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,602
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,557
−HK$968/mo
Today · 4.125%
HK$37,525
baseline
▲ 0.50% · 4.625%
HK$39,503
+HK$1,978/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,050/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,906 · 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).