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$17,837
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,392
−HK$563/mo
Today · 4.125%
HK$18,955
baseline
▲ 0.50% · 4.625%
HK$20,109
+HK$1,154/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,910/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,843
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,375
−HK$540/mo
Today · 4.125%
HK$20,915
baseline
▲ 0.50% · 4.625%
HK$22,018
+HK$1,103/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,830/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,404
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,070
−HK$676/mo
Today · 4.125%
HK$22,746
baseline
▲ 0.50% · 4.625%
HK$24,130
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,492/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,812
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,450
−HK$648/mo
Today · 4.125%
HK$25,098
baseline
▲ 0.50% · 4.625%
HK$26,421
+HK$1,323/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,196/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,971
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,748
−HK$789/mo
Today · 4.125%
HK$26,537
baseline
▲ 0.50% · 4.625%
HK$28,152
+HK$1,615/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,074/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,781
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,526
−HK$755/mo
Today · 4.125%
HK$29,281
baseline
▲ 0.50% · 4.625%
HK$30,825
+HK$1,544/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,562/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,106
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,105
−HK$1,015/mo
Today · 4.125%
HK$34,120
baseline
▲ 0.50% · 4.625%
HK$36,196
+HK$2,076/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,240/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,718
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,676
−HK$972/mo
Today · 4.125%
HK$37,648
baseline
▲ 0.50% · 4.625%
HK$39,632
+HK$1,984/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,296/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,668 · 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).