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$17,767
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,320
−HK$561/mo
Today · 4.125%
HK$18,881
baseline
▲ 0.50% · 4.625%
HK$20,030
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,762/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,766
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,296
−HK$537/mo
Today · 4.125%
HK$20,833
baseline
▲ 0.50% · 4.625%
HK$21,932
+HK$1,099/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$233,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,320
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,983
−HK$674/mo
Today · 4.125%
HK$22,657
baseline
▲ 0.50% · 4.625%
HK$24,036
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$45,314/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,719
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,355
−HK$645/mo
Today · 4.125%
HK$25,000
baseline
▲ 0.50% · 4.625%
HK$26,318
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$50,000/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,874
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,647
−HK$787/mo
Today · 4.125%
HK$26,434
baseline
▲ 0.50% · 4.625%
HK$28,042
+HK$1,608/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,868/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,672
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,414
−HK$753/mo
Today · 4.125%
HK$29,167
baseline
▲ 0.50% · 4.625%
HK$30,704
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,334/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,980
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,975
−HK$1,011/mo
Today · 4.125%
HK$33,986
baseline
▲ 0.50% · 4.625%
HK$36,054
+HK$2,068/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,972/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,578
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,532
−HK$968/mo
Today · 4.125%
HK$37,500
baseline
▲ 0.50% · 4.625%
HK$39,477
+HK$1,977/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$75,000/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,750 · 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).