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$17,832
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,387
−HK$564/mo
Today · 4.125%
HK$18,951
baseline
▲ 0.50% · 4.625%
HK$20,104
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,902/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,838
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,370
−HK$540/mo
Today · 4.125%
HK$20,910
baseline
▲ 0.50% · 4.625%
HK$22,012
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,820/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,399
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,065
−HK$676/mo
Today · 4.125%
HK$22,741
baseline
▲ 0.50% · 4.625%
HK$24,125
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,482/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,806
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,445
−HK$647/mo
Today · 4.125%
HK$25,092
baseline
▲ 0.50% · 4.625%
HK$26,415
+HK$1,323/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,184/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,965
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,742
−HK$789/mo
Today · 4.125%
HK$26,531
baseline
▲ 0.50% · 4.625%
HK$28,145
+HK$1,614/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$53,062/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,774
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,519
−HK$755/mo
Today · 4.125%
HK$29,274
baseline
▲ 0.50% · 4.625%
HK$30,817
+HK$1,543/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$58,548/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,098
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,097
−HK$1,014/mo
Today · 4.125%
HK$34,111
baseline
▲ 0.50% · 4.625%
HK$36,187
+HK$2,076/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,222/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,709
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,667
−HK$971/mo
Today · 4.125%
HK$37,638
baseline
▲ 0.50% · 4.625%
HK$39,622
+HK$1,984/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,276/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,612 · 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).