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$17,891
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,448
−HK$565/mo
Today · 4.125%
HK$19,013
baseline
▲ 0.50% · 4.625%
HK$20,170
+HK$1,157/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,026/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,904
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,438
−HK$541/mo
Today · 4.125%
HK$20,979
baseline
▲ 0.50% · 4.625%
HK$22,085
+HK$1,106/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,958/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,470
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,137
−HK$679/mo
Today · 4.125%
HK$22,816
baseline
▲ 0.50% · 4.625%
HK$24,204
+HK$1,388/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,632/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,885
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,525
−HK$650/mo
Today · 4.125%
HK$25,175
baseline
▲ 0.50% · 4.625%
HK$26,502
+HK$1,327/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,350/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,048
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,827
−HK$792/mo
Today · 4.125%
HK$26,619
baseline
▲ 0.50% · 4.625%
HK$28,238
+HK$1,619/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,238/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,865
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,613
−HK$758/mo
Today · 4.125%
HK$29,371
baseline
▲ 0.50% · 4.625%
HK$30,919
+HK$1,548/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,742/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,204
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,206
−HK$1,018/mo
Today · 4.125%
HK$34,224
baseline
▲ 0.50% · 4.625%
HK$36,306
+HK$2,082/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$68,448/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,827
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,788
−HK$975/mo
Today · 4.125%
HK$37,763
baseline
▲ 0.50% · 4.625%
HK$39,753
+HK$1,990/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$75,526/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,386 · 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).