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$17,827
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,382
−HK$563/mo
Today · 4.125%
HK$18,945
baseline
▲ 0.50% · 4.625%
HK$20,098
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,890/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,833
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,365
−HK$539/mo
Today · 4.125%
HK$20,904
baseline
▲ 0.50% · 4.625%
HK$22,006
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,808/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,393
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,058
−HK$676/mo
Today · 4.125%
HK$22,734
baseline
▲ 0.50% · 4.625%
HK$24,118
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,468/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,799
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,438
−HK$647/mo
Today · 4.125%
HK$25,085
baseline
▲ 0.50% · 4.625%
HK$26,407
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,170/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,958
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,735
−HK$788/mo
Today · 4.125%
HK$26,523
baseline
▲ 0.50% · 4.625%
HK$28,137
+HK$1,614/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$53,046/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,766
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,510
−HK$756/mo
Today · 4.125%
HK$29,266
baseline
▲ 0.50% · 4.625%
HK$30,808
+HK$1,542/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$58,532/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,089
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,087
−HK$1,014/mo
Today · 4.125%
HK$34,101
baseline
▲ 0.50% · 4.625%
HK$36,176
+HK$2,075/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,202/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,699
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,656
−HK$972/mo
Today · 4.125%
HK$37,628
baseline
▲ 0.50% · 4.625%
HK$39,611
+HK$1,983/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,256/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,544 · 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).