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$17,775
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,328
−HK$562/mo
Today · 4.125%
HK$18,890
baseline
▲ 0.50% · 4.625%
HK$20,039
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,780/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,774
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,305
−HK$538/mo
Today · 4.125%
HK$20,843
baseline
▲ 0.50% · 4.625%
HK$21,941
+HK$1,098/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,686/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,330
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,993
−HK$674/mo
Today · 4.125%
HK$22,667
baseline
▲ 0.50% · 4.625%
HK$24,047
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,334/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,729
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,366
−HK$645/mo
Today · 4.125%
HK$25,011
baseline
▲ 0.50% · 4.625%
HK$26,330
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,022/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,885
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,659
−HK$786/mo
Today · 4.125%
HK$26,445
baseline
▲ 0.50% · 4.625%
HK$28,055
+HK$1,610/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,890/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,684
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,427
−HK$753/mo
Today · 4.125%
HK$29,180
baseline
▲ 0.50% · 4.625%
HK$30,718
+HK$1,538/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,360/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,995
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,990
−HK$1,011/mo
Today · 4.125%
HK$34,001
baseline
▲ 0.50% · 4.625%
HK$36,070
+HK$2,069/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,002/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,594
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,549
−HK$968/mo
Today · 4.125%
HK$37,517
baseline
▲ 0.50% · 4.625%
HK$39,495
+HK$1,978/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,034/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,855 · 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).