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$17,772
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,325
−HK$561/mo
Today · 4.125%
HK$18,886
baseline
▲ 0.50% · 4.625%
HK$20,036
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,772/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,771
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,301
−HK$538/mo
Today · 4.125%
HK$20,839
baseline
▲ 0.50% · 4.625%
HK$21,938
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,678/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,326
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,990
−HK$674/mo
Today · 4.125%
HK$22,664
baseline
▲ 0.50% · 4.625%
HK$24,043
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,328/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,725
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,362
−HK$645/mo
Today · 4.125%
HK$25,007
baseline
▲ 0.50% · 4.625%
HK$26,325
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,014/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,881
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,655
−HK$786/mo
Today · 4.125%
HK$26,441
baseline
▲ 0.50% · 4.625%
HK$28,050
+HK$1,609/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,882/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,680
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,422
−HK$753/mo
Today · 4.125%
HK$29,175
baseline
▲ 0.50% · 4.625%
HK$30,713
+HK$1,538/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,350/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,990
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,985
−HK$1,011/mo
Today · 4.125%
HK$33,996
baseline
▲ 0.50% · 4.625%
HK$36,064
+HK$2,068/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,992/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,588
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,543
−HK$968/mo
Today · 4.125%
HK$37,511
baseline
▲ 0.50% · 4.625%
HK$39,488
+HK$1,977/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$75,022/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,816 · 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).