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$17,826
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,380
−HK$563/mo
Today · 4.125%
HK$18,943
baseline
▲ 0.50% · 4.625%
HK$20,096
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,886/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,831
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,363
−HK$539/mo
Today · 4.125%
HK$20,902
baseline
▲ 0.50% · 4.625%
HK$22,004
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,804/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,391
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,056
−HK$676/mo
Today · 4.125%
HK$22,732
baseline
▲ 0.50% · 4.625%
HK$24,115
+HK$1,383/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,464/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,797
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,435
−HK$648/mo
Today · 4.125%
HK$25,083
baseline
▲ 0.50% · 4.625%
HK$26,405
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,166/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,956
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,732
−HK$789/mo
Today · 4.125%
HK$26,521
baseline
▲ 0.50% · 4.625%
HK$28,135
+HK$1,614/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$53,042/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,763
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,508
−HK$755/mo
Today · 4.125%
HK$29,263
baseline
▲ 0.50% · 4.625%
HK$30,806
+HK$1,543/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$58,526/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,086
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,084
−HK$1,014/mo
Today · 4.125%
HK$34,098
baseline
▲ 0.50% · 4.625%
HK$36,173
+HK$2,075/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,196/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,696
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,653
−HK$971/mo
Today · 4.125%
HK$37,624
baseline
▲ 0.50% · 4.625%
HK$39,607
+HK$1,983/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,248/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,522 · 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).