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$17,789
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,342
−HK$562/mo
Today · 4.125%
HK$18,904
baseline
▲ 0.50% · 4.625%
HK$20,055
+HK$1,151/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,808/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$234,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,790
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,321
−HK$538/mo
Today · 4.125%
HK$20,859
baseline
▲ 0.50% · 4.625%
HK$21,958
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,718/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$234,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,346
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,010
−HK$675/mo
Today · 4.125%
HK$22,685
baseline
▲ 0.50% · 4.625%
HK$24,065
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,370/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$234,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,748
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,385
−HK$646/mo
Today · 4.125%
HK$25,031
baseline
▲ 0.50% · 4.625%
HK$26,350
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,062/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$234,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,904
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,679
−HK$787/mo
Today · 4.125%
HK$26,466
baseline
▲ 0.50% · 4.625%
HK$28,076
+HK$1,610/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,932/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,706
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,449
−HK$754/mo
Today · 4.125%
HK$29,203
baseline
▲ 0.50% · 4.625%
HK$30,742
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,406/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,020
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,016
−HK$1,012/mo
Today · 4.125%
HK$34,028
baseline
▲ 0.50% · 4.625%
HK$36,098
+HK$2,070/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,056/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,622
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,577
−HK$969/mo
Today · 4.125%
HK$37,546
baseline
▲ 0.50% · 4.625%
HK$39,525
+HK$1,979/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,092/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,036 · 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).