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$17,790
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,343
−HK$563/mo
Today · 4.125%
HK$18,906
baseline
▲ 0.50% · 4.625%
HK$20,056
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,812/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$234,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,791
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,322
−HK$539/mo
Today · 4.125%
HK$20,861
baseline
▲ 0.50% · 4.625%
HK$21,960
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,722/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$234,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,348
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,012
−HK$675/mo
Today · 4.125%
HK$22,687
baseline
▲ 0.50% · 4.625%
HK$24,067
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,374/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$234,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,750
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,386
−HK$647/mo
Today · 4.125%
HK$25,033
baseline
▲ 0.50% · 4.625%
HK$26,352
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,066/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$234,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,906
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,681
−HK$787/mo
Today · 4.125%
HK$26,468
baseline
▲ 0.50% · 4.625%
HK$28,078
+HK$1,610/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,936/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,708
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,451
−HK$754/mo
Today · 4.125%
HK$29,205
baseline
▲ 0.50% · 4.625%
HK$30,744
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,410/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,022
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,018
−HK$1,012/mo
Today · 4.125%
HK$34,030
baseline
▲ 0.50% · 4.625%
HK$36,101
+HK$2,071/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,060/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,624
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,580
−HK$969/mo
Today · 4.125%
HK$37,549
baseline
▲ 0.50% · 4.625%
HK$39,528
+HK$1,979/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,098/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,054 · 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).