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$17,868
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,424
−HK$564/mo
Today · 4.125%
HK$18,988
baseline
▲ 0.50% · 4.625%
HK$20,144
+HK$1,156/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,976/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,878
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,411
−HK$541/mo
Today · 4.125%
HK$20,952
baseline
▲ 0.50% · 4.625%
HK$22,056
+HK$1,104/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,904/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,441
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,108
−HK$678/mo
Today · 4.125%
HK$22,786
baseline
▲ 0.50% · 4.625%
HK$24,173
+HK$1,387/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,572/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,853
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,493
−HK$649/mo
Today · 4.125%
HK$25,142
baseline
▲ 0.50% · 4.625%
HK$26,467
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,284/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,015
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,793
−HK$791/mo
Today · 4.125%
HK$26,584
baseline
▲ 0.50% · 4.625%
HK$28,201
+HK$1,617/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,168/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,829
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,575
−HK$758/mo
Today · 4.125%
HK$29,333
baseline
▲ 0.50% · 4.625%
HK$30,879
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,666/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,162
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,163
−HK$1,016/mo
Today · 4.125%
HK$34,179
baseline
▲ 0.50% · 4.625%
HK$36,259
+HK$2,080/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$68,358/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,780
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,740
−HK$973/mo
Today · 4.125%
HK$37,713
baseline
▲ 0.50% · 4.625%
HK$39,701
+HK$1,988/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$75,426/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,078 · 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).