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$17,753
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,306
−HK$561/mo
Today · 4.125%
HK$18,867
baseline
▲ 0.50% · 4.625%
HK$20,015
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,734/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,751
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,280
−HK$538/mo
Today · 4.125%
HK$20,818
baseline
▲ 0.50% · 4.625%
HK$21,915
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,636/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,304
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,967
−HK$673/mo
Today · 4.125%
HK$22,640
baseline
▲ 0.50% · 4.625%
HK$24,018
+HK$1,378/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,280/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,701
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,336
−HK$645/mo
Today · 4.125%
HK$24,981
baseline
▲ 0.50% · 4.625%
HK$26,298
+HK$1,317/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,962/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,855
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,628
−HK$785/mo
Today · 4.125%
HK$26,413
baseline
▲ 0.50% · 4.625%
HK$28,021
+HK$1,608/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,826/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,651
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,392
−HK$753/mo
Today · 4.125%
HK$29,145
baseline
▲ 0.50% · 4.625%
HK$30,681
+HK$1,536/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,290/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,956
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,950
−HK$1,010/mo
Today · 4.125%
HK$33,960
baseline
▲ 0.50% · 4.625%
HK$36,027
+HK$2,067/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,920/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,551
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,504
−HK$968/mo
Today · 4.125%
HK$37,472
baseline
▲ 0.50% · 4.625%
HK$39,447
+HK$1,975/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,944/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,572 · 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).