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$17,771
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,323
−HK$562/mo
Today · 4.125%
HK$18,885
baseline
▲ 0.50% · 4.625%
HK$20,034
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,770/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,770
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,300
−HK$538/mo
Today · 4.125%
HK$20,838
baseline
▲ 0.50% · 4.625%
HK$21,936
+HK$1,098/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,676/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,325
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,988
−HK$674/mo
Today · 4.125%
HK$22,662
baseline
▲ 0.50% · 4.625%
HK$24,041
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,324/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,724
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,360
−HK$645/mo
Today · 4.125%
HK$25,005
baseline
▲ 0.50% · 4.625%
HK$26,323
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,010/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,879
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,653
−HK$786/mo
Today · 4.125%
HK$26,439
baseline
▲ 0.50% · 4.625%
HK$28,048
+HK$1,609/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,878/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,677
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,420
−HK$753/mo
Today · 4.125%
HK$29,173
baseline
▲ 0.50% · 4.625%
HK$30,711
+HK$1,538/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,346/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,987
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,982
−HK$1,011/mo
Today · 4.125%
HK$33,993
baseline
▲ 0.50% · 4.625%
HK$36,061
+HK$2,068/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,986/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,585
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,540
−HK$968/mo
Today · 4.125%
HK$37,508
baseline
▲ 0.50% · 4.625%
HK$39,485
+HK$1,977/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$75,016/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,798 · 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).