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$17,885
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,441
−HK$566/mo
Today · 4.125%
HK$19,007
baseline
▲ 0.50% · 4.625%
HK$20,163
+HK$1,156/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,014/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,897
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,431
−HK$541/mo
Today · 4.125%
HK$20,972
baseline
▲ 0.50% · 4.625%
HK$22,077
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,944/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,462
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,130
−HK$678/mo
Today · 4.125%
HK$22,808
baseline
▲ 0.50% · 4.625%
HK$24,196
+HK$1,388/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,616/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,876
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,517
−HK$649/mo
Today · 4.125%
HK$25,166
baseline
▲ 0.50% · 4.625%
HK$26,493
+HK$1,327/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,332/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,039
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,818
−HK$791/mo
Today · 4.125%
HK$26,609
baseline
▲ 0.50% · 4.625%
HK$28,228
+HK$1,619/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,218/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,856
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,603
−HK$758/mo
Today · 4.125%
HK$29,361
baseline
▲ 0.50% · 4.625%
HK$30,908
+HK$1,547/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,722/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,193
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,195
−HK$1,017/mo
Today · 4.125%
HK$34,212
baseline
▲ 0.50% · 4.625%
HK$36,294
+HK$2,082/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$68,424/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,815
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,775
−HK$975/mo
Today · 4.125%
HK$37,750
baseline
▲ 0.50% · 4.625%
HK$39,739
+HK$1,989/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$75,500/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,305 · 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).