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$17,800
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,354
−HK$563/mo
Today · 4.125%
HK$18,917
baseline
▲ 0.50% · 4.625%
HK$20,068
+HK$1,151/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,834/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,803
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,334
−HK$539/mo
Today · 4.125%
HK$20,873
baseline
▲ 0.50% · 4.625%
HK$21,973
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,746/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,361
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,025
−HK$675/mo
Today · 4.125%
HK$22,700
baseline
▲ 0.50% · 4.625%
HK$24,081
+HK$1,381/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,400/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,763
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,401
−HK$646/mo
Today · 4.125%
HK$25,047
baseline
▲ 0.50% · 4.625%
HK$26,368
+HK$1,321/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,094/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,921
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,696
−HK$787/mo
Today · 4.125%
HK$26,483
baseline
▲ 0.50% · 4.625%
HK$28,095
+HK$1,612/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,966/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,724
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,468
−HK$754/mo
Today · 4.125%
HK$29,222
baseline
▲ 0.50% · 4.625%
HK$30,762
+HK$1,540/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,444/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,041
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,037
−HK$1,013/mo
Today · 4.125%
HK$34,050
baseline
▲ 0.50% · 4.625%
HK$36,122
+HK$2,072/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,100/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,645
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,601
−HK$970/mo
Today · 4.125%
HK$37,571
baseline
▲ 0.50% · 4.625%
HK$39,551
+HK$1,980/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,142/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,191 · 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).