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$17,820
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,374
−HK$563/mo
Today · 4.125%
HK$18,937
baseline
▲ 0.50% · 4.625%
HK$20,089
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,874/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,824
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,356
−HK$539/mo
Today · 4.125%
HK$20,895
baseline
▲ 0.50% · 4.625%
HK$21,997
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,790/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,384
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,049
−HK$676/mo
Today · 4.125%
HK$22,725
baseline
▲ 0.50% · 4.625%
HK$24,107
+HK$1,382/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,450/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,789
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,427
−HK$647/mo
Today · 4.125%
HK$25,074
baseline
▲ 0.50% · 4.625%
HK$26,396
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,148/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,948
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,724
−HK$788/mo
Today · 4.125%
HK$26,512
baseline
▲ 0.50% · 4.625%
HK$28,125
+HK$1,613/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,024/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,754
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,498
−HK$755/mo
Today · 4.125%
HK$29,253
baseline
▲ 0.50% · 4.625%
HK$30,795
+HK$1,542/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,506/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,075
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,073
−HK$1,014/mo
Today · 4.125%
HK$34,087
baseline
▲ 0.50% · 4.625%
HK$36,161
+HK$2,074/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,174/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,684
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,641
−HK$971/mo
Today · 4.125%
HK$37,612
baseline
▲ 0.50% · 4.625%
HK$39,594
+HK$1,982/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,224/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,444 · 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).