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$17,862
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,418
−HK$565/mo
Today · 4.125%
HK$18,983
baseline
▲ 0.50% · 4.625%
HK$20,138
+HK$1,155/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,966/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,872
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,405
−HK$540/mo
Today · 4.125%
HK$20,945
baseline
▲ 0.50% · 4.625%
HK$22,049
+HK$1,104/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,890/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,435
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,102
−HK$677/mo
Today · 4.125%
HK$22,779
baseline
▲ 0.50% · 4.625%
HK$24,165
+HK$1,386/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,558/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,846
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,486
−HK$648/mo
Today · 4.125%
HK$25,134
baseline
▲ 0.50% · 4.625%
HK$26,459
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,268/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,007
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,785
−HK$791/mo
Today · 4.125%
HK$26,576
baseline
▲ 0.50% · 4.625%
HK$28,193
+HK$1,617/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,152/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,820
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,567
−HK$757/mo
Today · 4.125%
HK$29,324
baseline
▲ 0.50% · 4.625%
HK$30,869
+HK$1,545/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,648/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,152
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,152
−HK$1,017/mo
Today · 4.125%
HK$34,169
baseline
▲ 0.50% · 4.625%
HK$36,248
+HK$2,079/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,338/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,769
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,728
−HK$974/mo
Today · 4.125%
HK$37,702
baseline
▲ 0.50% · 4.625%
HK$39,689
+HK$1,987/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,404/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,006 · 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).