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$17,752
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,305
−HK$561/mo
Today · 4.125%
HK$18,866
baseline
▲ 0.50% · 4.625%
HK$20,014
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,732/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,749
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,279
−HK$537/mo
Today · 4.125%
HK$20,816
baseline
▲ 0.50% · 4.625%
HK$21,914
+HK$1,098/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,632/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,303
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,966
−HK$673/mo
Today · 4.125%
HK$22,639
baseline
▲ 0.50% · 4.625%
HK$24,016
+HK$1,377/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,278/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,699
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,335
−HK$645/mo
Today · 4.125%
HK$24,980
baseline
▲ 0.50% · 4.625%
HK$26,296
+HK$1,316/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,960/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,853
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,626
−HK$786/mo
Today · 4.125%
HK$26,412
baseline
▲ 0.50% · 4.625%
HK$28,019
+HK$1,607/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,824/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,649
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,391
−HK$752/mo
Today · 4.125%
HK$29,143
baseline
▲ 0.50% · 4.625%
HK$30,679
+HK$1,536/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,286/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,954
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,948
−HK$1,010/mo
Today · 4.125%
HK$33,958
baseline
▲ 0.50% · 4.625%
HK$36,024
+HK$2,066/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,916/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,549
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,502
−HK$967/mo
Today · 4.125%
HK$37,469
baseline
▲ 0.50% · 4.625%
HK$39,444
+HK$1,975/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,938/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,558 · 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).