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$17,816
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,370
−HK$563/mo
Today · 4.125%
HK$18,933
baseline
▲ 0.50% · 4.625%
HK$20,085
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,866/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,820
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,352
−HK$539/mo
Today · 4.125%
HK$20,891
baseline
▲ 0.50% · 4.625%
HK$21,992
+HK$1,101/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,782/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,379
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,044
−HK$676/mo
Today · 4.125%
HK$22,720
baseline
▲ 0.50% · 4.625%
HK$24,102
+HK$1,382/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,440/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,784
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,422
−HK$647/mo
Today · 4.125%
HK$25,069
baseline
▲ 0.50% · 4.625%
HK$26,391
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,138/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,942
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,718
−HK$788/mo
Today · 4.125%
HK$26,506
baseline
▲ 0.50% · 4.625%
HK$28,119
+HK$1,613/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,012/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,748
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,492
−HK$755/mo
Today · 4.125%
HK$29,247
baseline
▲ 0.50% · 4.625%
HK$30,789
+HK$1,542/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,494/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,069
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,066
−HK$1,014/mo
Today · 4.125%
HK$34,080
baseline
▲ 0.50% · 4.625%
HK$36,153
+HK$2,073/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,160/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,676
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,633
−HK$971/mo
Today · 4.125%
HK$37,604
baseline
▲ 0.50% · 4.625%
HK$39,586
+HK$1,982/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,208/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,395 · 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).