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$17,756
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,308
−HK$561/mo
Today · 4.125%
HK$18,869
baseline
▲ 0.50% · 4.625%
HK$20,017
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,738/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,753
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,283
−HK$537/mo
Today · 4.125%
HK$20,820
baseline
▲ 0.50% · 4.625%
HK$21,918
+HK$1,098/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,640/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,307
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,970
−HK$673/mo
Today · 4.125%
HK$22,643
baseline
▲ 0.50% · 4.625%
HK$24,021
+HK$1,378/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,286/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,704
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,340
−HK$644/mo
Today · 4.125%
HK$24,984
baseline
▲ 0.50% · 4.625%
HK$26,301
+HK$1,317/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,968/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,858
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,631
−HK$786/mo
Today · 4.125%
HK$26,417
baseline
▲ 0.50% · 4.625%
HK$28,024
+HK$1,607/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,834/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,654
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,396
−HK$753/mo
Today · 4.125%
HK$29,149
baseline
▲ 0.50% · 4.625%
HK$30,685
+HK$1,536/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,298/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,960
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,955
−HK$1,010/mo
Today · 4.125%
HK$33,965
baseline
▲ 0.50% · 4.625%
HK$36,031
+HK$2,066/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,930/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,556
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,509
−HK$968/mo
Today · 4.125%
HK$37,477
baseline
▲ 0.50% · 4.625%
HK$39,452
+HK$1,975/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,954/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,604 · 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).