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$17,754
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,306
−HK$561/mo
Today · 4.125%
HK$18,867
baseline
▲ 0.50% · 4.625%
HK$20,015
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,734/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,751
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,281
−HK$537/mo
Today · 4.125%
HK$20,818
baseline
▲ 0.50% · 4.625%
HK$21,916
+HK$1,098/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,636/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,305
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,967
−HK$674/mo
Today · 4.125%
HK$22,641
baseline
▲ 0.50% · 4.625%
HK$24,018
+HK$1,377/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,282/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,701
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,337
−HK$645/mo
Today · 4.125%
HK$24,982
baseline
▲ 0.50% · 4.625%
HK$26,299
+HK$1,317/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,964/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,856
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,629
−HK$785/mo
Today · 4.125%
HK$26,414
baseline
▲ 0.50% · 4.625%
HK$28,021
+HK$1,607/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,828/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,651
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,393
−HK$752/mo
Today · 4.125%
HK$29,145
baseline
▲ 0.50% · 4.625%
HK$30,682
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,290/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,957
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,951
−HK$1,010/mo
Today · 4.125%
HK$33,961
baseline
▲ 0.50% · 4.625%
HK$36,028
+HK$2,067/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,922/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,552
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,505
−HK$968/mo
Today · 4.125%
HK$37,473
baseline
▲ 0.50% · 4.625%
HK$39,448
+HK$1,975/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,946/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,579 · 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).