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$17,803
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,356
−HK$563/mo
Today · 4.125%
HK$18,919
baseline
▲ 0.50% · 4.625%
HK$20,070
+HK$1,151/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,838/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,805
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,336
−HK$539/mo
Today · 4.125%
HK$20,875
baseline
▲ 0.50% · 4.625%
HK$21,975
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,750/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,363
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,028
−HK$675/mo
Today · 4.125%
HK$22,703
baseline
▲ 0.50% · 4.625%
HK$24,084
+HK$1,381/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,406/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,766
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,404
−HK$646/mo
Today · 4.125%
HK$25,050
baseline
▲ 0.50% · 4.625%
HK$26,371
+HK$1,321/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,100/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,924
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,699
−HK$787/mo
Today · 4.125%
HK$26,486
baseline
▲ 0.50% · 4.625%
HK$28,098
+HK$1,612/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$52,972/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,727
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,471
−HK$754/mo
Today · 4.125%
HK$29,225
baseline
▲ 0.50% · 4.625%
HK$30,766
+HK$1,541/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,450/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,045
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,041
−HK$1,013/mo
Today · 4.125%
HK$34,054
baseline
▲ 0.50% · 4.625%
HK$36,126
+HK$2,072/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,108/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,649
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,605
−HK$970/mo
Today · 4.125%
HK$37,575
baseline
▲ 0.50% · 4.625%
HK$39,556
+HK$1,981/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,150/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,218 · 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).