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$17,835
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,390
−HK$563/mo
Today · 4.125%
HK$18,953
baseline
▲ 0.50% · 4.625%
HK$20,106
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,906/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,841
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,373
−HK$540/mo
Today · 4.125%
HK$20,913
baseline
▲ 0.50% · 4.625%
HK$22,015
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,826/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,402
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,067
−HK$677/mo
Today · 4.125%
HK$22,744
baseline
▲ 0.50% · 4.625%
HK$24,128
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,488/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,809
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,448
−HK$648/mo
Today · 4.125%
HK$25,096
baseline
▲ 0.50% · 4.625%
HK$26,418
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,192/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,969
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,745
−HK$789/mo
Today · 4.125%
HK$26,534
baseline
▲ 0.50% · 4.625%
HK$28,149
+HK$1,615/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$53,068/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,777
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,522
−HK$756/mo
Today · 4.125%
HK$29,278
baseline
▲ 0.50% · 4.625%
HK$30,821
+HK$1,543/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$58,556/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,103
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,101
−HK$1,015/mo
Today · 4.125%
HK$34,116
baseline
▲ 0.50% · 4.625%
HK$36,192
+HK$2,076/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,232/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,714
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,672
−HK$971/mo
Today · 4.125%
HK$37,643
baseline
▲ 0.50% · 4.625%
HK$39,628
+HK$1,985/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,286/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,643 · 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).