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$17,853
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,408
−HK$564/mo
Today · 4.125%
HK$18,972
baseline
▲ 0.50% · 4.625%
HK$20,127
+HK$1,155/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,944/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,861
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,394
−HK$540/mo
Today · 4.125%
HK$20,934
baseline
▲ 0.50% · 4.625%
HK$22,038
+HK$1,104/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,868/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,424
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,090
−HK$677/mo
Today · 4.125%
HK$22,767
baseline
▲ 0.50% · 4.625%
HK$24,152
+HK$1,385/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,534/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,833
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,473
−HK$648/mo
Today · 4.125%
HK$25,121
baseline
▲ 0.50% · 4.625%
HK$26,445
+HK$1,324/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,242/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,994
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,772
−HK$789/mo
Today · 4.125%
HK$26,561
baseline
▲ 0.50% · 4.625%
HK$28,178
+HK$1,617/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,122/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,806
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,551
−HK$757/mo
Today · 4.125%
HK$29,308
baseline
▲ 0.50% · 4.625%
HK$30,853
+HK$1,545/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,616/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,135
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,135
−HK$1,015/mo
Today · 4.125%
HK$34,150
baseline
▲ 0.50% · 4.625%
HK$36,228
+HK$2,078/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,300/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,750
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,709
−HK$973/mo
Today · 4.125%
HK$37,682
baseline
▲ 0.50% · 4.625%
HK$39,668
+HK$1,986/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,364/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,881 · 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).