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$17,766
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,319
−HK$561/mo
Today · 4.125%
HK$18,880
baseline
▲ 0.50% · 4.625%
HK$20,029
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,760/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,765
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,295
−HK$538/mo
Today · 4.125%
HK$20,833
baseline
▲ 0.50% · 4.625%
HK$21,931
+HK$1,098/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,666/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,319
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,983
−HK$673/mo
Today · 4.125%
HK$22,656
baseline
▲ 0.50% · 4.625%
HK$24,035
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$45,312/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,718
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,354
−HK$645/mo
Today · 4.125%
HK$24,999
baseline
▲ 0.50% · 4.625%
HK$26,317
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$49,998/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,873
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,646
−HK$786/mo
Today · 4.125%
HK$26,432
baseline
▲ 0.50% · 4.625%
HK$28,041
+HK$1,609/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,864/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,671
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,413
−HK$753/mo
Today · 4.125%
HK$29,166
baseline
▲ 0.50% · 4.625%
HK$30,703
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,332/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,979
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,974
−HK$1,011/mo
Today · 4.125%
HK$33,985
baseline
▲ 0.50% · 4.625%
HK$36,052
+HK$2,067/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,970/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,576
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,531
−HK$968/mo
Today · 4.125%
HK$37,499
baseline
▲ 0.50% · 4.625%
HK$39,475
+HK$1,976/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,998/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,740 · 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).