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$17,769
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,321
−HK$562/mo
Today · 4.125%
HK$18,883
baseline
▲ 0.50% · 4.625%
HK$20,032
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,766/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,767
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,298
−HK$537/mo
Today · 4.125%
HK$20,835
baseline
▲ 0.50% · 4.625%
HK$21,934
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,670/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,322
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,986
−HK$673/mo
Today · 4.125%
HK$22,659
baseline
▲ 0.50% · 4.625%
HK$24,038
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,318/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,721
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,357
−HK$645/mo
Today · 4.125%
HK$25,002
baseline
▲ 0.50% · 4.625%
HK$26,320
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,004/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,876
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,650
−HK$786/mo
Today · 4.125%
HK$26,436
baseline
▲ 0.50% · 4.625%
HK$28,045
+HK$1,609/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,872/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,674
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,417
−HK$753/mo
Today · 4.125%
HK$29,170
baseline
▲ 0.50% · 4.625%
HK$30,707
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,340/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,984
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,978
−HK$1,011/mo
Today · 4.125%
HK$33,989
baseline
▲ 0.50% · 4.625%
HK$36,057
+HK$2,068/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,978/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,581
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,536
−HK$968/mo
Today · 4.125%
HK$37,504
baseline
▲ 0.50% · 4.625%
HK$39,481
+HK$1,977/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$75,008/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,772 · 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).