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$17,755
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,308
−HK$561/mo
Today · 4.125%
HK$18,869
baseline
▲ 0.50% · 4.625%
HK$20,017
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,738/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,753
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,282
−HK$538/mo
Today · 4.125%
HK$20,820
baseline
▲ 0.50% · 4.625%
HK$21,917
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,640/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,306
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,969
−HK$674/mo
Today · 4.125%
HK$22,643
baseline
▲ 0.50% · 4.625%
HK$24,020
+HK$1,377/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,286/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,703
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,339
−HK$645/mo
Today · 4.125%
HK$24,984
baseline
▲ 0.50% · 4.625%
HK$26,301
+HK$1,317/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,968/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,858
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,631
−HK$785/mo
Today · 4.125%
HK$26,416
baseline
▲ 0.50% · 4.625%
HK$28,024
+HK$1,608/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,832/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,654
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,395
−HK$753/mo
Today · 4.125%
HK$29,148
baseline
▲ 0.50% · 4.625%
HK$30,684
+HK$1,536/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,296/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,960
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,954
−HK$1,010/mo
Today · 4.125%
HK$33,964
baseline
▲ 0.50% · 4.625%
HK$36,031
+HK$2,067/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,928/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,555
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,508
−HK$968/mo
Today · 4.125%
HK$37,476
baseline
▲ 0.50% · 4.625%
HK$39,451
+HK$1,975/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,952/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,598 · 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).