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$17,795
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,349
−HK$562/mo
Today · 4.125%
HK$18,911
baseline
▲ 0.50% · 4.625%
HK$20,062
+HK$1,151/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,822/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,797
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,328
−HK$539/mo
Today · 4.125%
HK$20,867
baseline
▲ 0.50% · 4.625%
HK$21,966
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,734/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,354
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,018
−HK$675/mo
Today · 4.125%
HK$22,693
baseline
▲ 0.50% · 4.625%
HK$24,074
+HK$1,381/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,386/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,756
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,393
−HK$647/mo
Today · 4.125%
HK$25,040
baseline
▲ 0.50% · 4.625%
HK$26,360
+HK$1,320/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,080/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,913
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,688
−HK$788/mo
Today · 4.125%
HK$26,476
baseline
▲ 0.50% · 4.625%
HK$28,087
+HK$1,611/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,952/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,716
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,459
−HK$754/mo
Today · 4.125%
HK$29,213
baseline
▲ 0.50% · 4.625%
HK$30,753
+HK$1,540/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,426/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,031
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,028
−HK$1,012/mo
Today · 4.125%
HK$34,040
baseline
▲ 0.50% · 4.625%
HK$36,111
+HK$2,071/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,080/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,635
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,590
−HK$970/mo
Today · 4.125%
HK$37,560
baseline
▲ 0.50% · 4.625%
HK$39,540
+HK$1,980/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,120/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,121 · 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).