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$17,860
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,415
−HK$565/mo
Today · 4.125%
HK$18,980
baseline
▲ 0.50% · 4.625%
HK$20,134
+HK$1,154/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,960/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,869
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,402
−HK$540/mo
Today · 4.125%
HK$20,942
baseline
▲ 0.50% · 4.625%
HK$22,046
+HK$1,104/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,884/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,432
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,098
−HK$678/mo
Today · 4.125%
HK$22,776
baseline
▲ 0.50% · 4.625%
HK$24,161
+HK$1,385/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,552/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,842
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,482
−HK$649/mo
Today · 4.125%
HK$25,131
baseline
▲ 0.50% · 4.625%
HK$26,455
+HK$1,324/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,262/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,004
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,781
−HK$790/mo
Today · 4.125%
HK$26,571
baseline
▲ 0.50% · 4.625%
HK$28,188
+HK$1,617/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,142/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,816
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,562
−HK$757/mo
Today · 4.125%
HK$29,319
baseline
▲ 0.50% · 4.625%
HK$30,864
+HK$1,545/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,638/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,147
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,147
−HK$1,016/mo
Today · 4.125%
HK$34,163
baseline
▲ 0.50% · 4.625%
HK$36,242
+HK$2,079/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,326/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,764
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,723
−HK$973/mo
Today · 4.125%
HK$37,696
baseline
▲ 0.50% · 4.625%
HK$39,683
+HK$1,987/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,392/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,969 · 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).