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$17,866
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,422
−HK$565/mo
Today · 4.125%
HK$18,987
baseline
▲ 0.50% · 4.625%
HK$20,142
+HK$1,155/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,974/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,876
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,409
−HK$541/mo
Today · 4.125%
HK$20,950
baseline
▲ 0.50% · 4.625%
HK$22,054
+HK$1,104/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,900/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,439
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,106
−HK$678/mo
Today · 4.125%
HK$22,784
baseline
▲ 0.50% · 4.625%
HK$24,170
+HK$1,386/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,568/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,851
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,491
−HK$649/mo
Today · 4.125%
HK$25,140
baseline
▲ 0.50% · 4.625%
HK$26,465
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,280/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,013
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,791
−HK$790/mo
Today · 4.125%
HK$26,581
baseline
▲ 0.50% · 4.625%
HK$28,199
+HK$1,618/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,162/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,826
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,573
−HK$757/mo
Today · 4.125%
HK$29,330
baseline
▲ 0.50% · 4.625%
HK$30,876
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,660/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,159
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,159
−HK$1,017/mo
Today · 4.125%
HK$34,176
baseline
▲ 0.50% · 4.625%
HK$36,255
+HK$2,079/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$68,352/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,777
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,736
−HK$974/mo
Today · 4.125%
HK$37,710
baseline
▲ 0.50% · 4.625%
HK$39,697
+HK$1,987/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$75,420/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,056 · 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).