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$17,813
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,367
−HK$563/mo
Today · 4.125%
HK$18,930
baseline
▲ 0.50% · 4.625%
HK$20,082
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,860/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,817
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,349
−HK$539/mo
Today · 4.125%
HK$20,888
baseline
▲ 0.50% · 4.625%
HK$21,989
+HK$1,101/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,776/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,376
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,041
−HK$675/mo
Today · 4.125%
HK$22,716
baseline
▲ 0.50% · 4.625%
HK$24,099
+HK$1,383/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$45,432/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,780
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,418
−HK$647/mo
Today · 4.125%
HK$25,065
baseline
▲ 0.50% · 4.625%
HK$26,386
+HK$1,321/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$50,130/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,939
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,714
−HK$788/mo
Today · 4.125%
HK$26,502
baseline
▲ 0.50% · 4.625%
HK$28,115
+HK$1,613/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,004/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,744
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,488
−HK$755/mo
Today · 4.125%
HK$29,243
baseline
▲ 0.50% · 4.625%
HK$30,784
+HK$1,541/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,486/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,064
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,061
−HK$1,014/mo
Today · 4.125%
HK$34,075
baseline
▲ 0.50% · 4.625%
HK$36,148
+HK$2,073/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,150/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,671
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,627
−HK$971/mo
Today · 4.125%
HK$37,598
baseline
▲ 0.50% · 4.625%
HK$39,580
+HK$1,982/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,196/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,359 · 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).