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$17,781
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,334
−HK$562/mo
Today · 4.125%
HK$18,896
baseline
▲ 0.50% · 4.625%
HK$20,045
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,792/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,781
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,311
−HK$538/mo
Today · 4.125%
HK$20,849
baseline
▲ 0.50% · 4.625%
HK$21,948
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,698/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,337
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,000
−HK$675/mo
Today · 4.125%
HK$22,675
baseline
▲ 0.50% · 4.625%
HK$24,054
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,350/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,737
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,374
−HK$645/mo
Today · 4.125%
HK$25,019
baseline
▲ 0.50% · 4.625%
HK$26,338
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,038/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,893
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,667
−HK$787/mo
Today · 4.125%
HK$26,454
baseline
▲ 0.50% · 4.625%
HK$28,064
+HK$1,610/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,908/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,693
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,436
−HK$753/mo
Today · 4.125%
HK$29,189
baseline
▲ 0.50% · 4.625%
HK$30,728
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,378/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,005
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,001
−HK$1,011/mo
Today · 4.125%
HK$34,012
baseline
▲ 0.50% · 4.625%
HK$36,082
+HK$2,070/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,024/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,605
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,560
−HK$969/mo
Today · 4.125%
HK$37,529
baseline
▲ 0.50% · 4.625%
HK$39,507
+HK$1,978/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,058/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,930 · 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).