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$17,790
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,343
−HK$562/mo
Today · 4.125%
HK$18,905
baseline
▲ 0.50% · 4.625%
HK$20,055
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,810/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$234,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,791
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,321
−HK$539/mo
Today · 4.125%
HK$20,860
baseline
▲ 0.50% · 4.625%
HK$21,959
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,720/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$234,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,347
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,011
−HK$675/mo
Today · 4.125%
HK$22,686
baseline
▲ 0.50% · 4.625%
HK$24,067
+HK$1,381/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,372/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$234,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,749
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,386
−HK$646/mo
Today · 4.125%
HK$25,032
baseline
▲ 0.50% · 4.625%
HK$26,351
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,064/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$234,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,905
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,680
−HK$787/mo
Today · 4.125%
HK$26,467
baseline
▲ 0.50% · 4.625%
HK$28,078
+HK$1,611/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,934/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,707
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,450
−HK$754/mo
Today · 4.125%
HK$29,204
baseline
▲ 0.50% · 4.625%
HK$30,743
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,408/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,021
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,017
−HK$1,012/mo
Today · 4.125%
HK$34,029
baseline
▲ 0.50% · 4.625%
HK$36,100
+HK$2,071/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,058/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,623
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,579
−HK$969/mo
Today · 4.125%
HK$37,548
baseline
▲ 0.50% · 4.625%
HK$39,527
+HK$1,979/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,096/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,047 · 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).