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$17,787
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,341
−HK$562/mo
Today · 4.125%
HK$18,903
baseline
▲ 0.50% · 4.625%
HK$20,053
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,806/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$234,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,788
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,319
−HK$539/mo
Today · 4.125%
HK$20,858
baseline
▲ 0.50% · 4.625%
HK$21,957
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,716/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$234,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,345
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,009
−HK$675/mo
Today · 4.125%
HK$22,684
baseline
▲ 0.50% · 4.625%
HK$24,064
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,368/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$234,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,746
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,383
−HK$646/mo
Today · 4.125%
HK$25,029
baseline
▲ 0.50% · 4.625%
HK$26,348
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,058/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$234,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,902
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,677
−HK$787/mo
Today · 4.125%
HK$26,464
baseline
▲ 0.50% · 4.625%
HK$28,074
+HK$1,610/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,928/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,704
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,447
−HK$754/mo
Today · 4.125%
HK$29,201
baseline
▲ 0.50% · 4.625%
HK$30,740
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,402/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,017
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,013
−HK$1,012/mo
Today · 4.125%
HK$34,025
baseline
▲ 0.50% · 4.625%
HK$36,096
+HK$2,071/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,050/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,619
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,574
−HK$970/mo
Today · 4.125%
HK$37,544
baseline
▲ 0.50% · 4.625%
HK$39,523
+HK$1,979/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,088/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,020 · 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).