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$17,863
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,419
−HK$564/mo
Today · 4.125%
HK$18,983
baseline
▲ 0.50% · 4.625%
HK$20,139
+HK$1,156/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$235,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,873
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,406
−HK$540/mo
Today · 4.125%
HK$20,946
baseline
▲ 0.50% · 4.625%
HK$22,051
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,892/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,436
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,103
−HK$677/mo
Today · 4.125%
HK$22,780
baseline
▲ 0.50% · 4.625%
HK$24,166
+HK$1,386/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,560/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,847
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,487
−HK$649/mo
Today · 4.125%
HK$25,136
baseline
▲ 0.50% · 4.625%
HK$26,461
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,272/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,009
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,787
−HK$790/mo
Today · 4.125%
HK$26,577
baseline
▲ 0.50% · 4.625%
HK$28,194
+HK$1,617/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,154/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,822
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,568
−HK$757/mo
Today · 4.125%
HK$29,325
baseline
▲ 0.50% · 4.625%
HK$30,871
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,650/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,154
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,154
−HK$1,016/mo
Today · 4.125%
HK$34,170
baseline
▲ 0.50% · 4.625%
HK$36,249
+HK$2,079/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,340/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,771
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,730
−HK$974/mo
Today · 4.125%
HK$37,704
baseline
▲ 0.50% · 4.625%
HK$39,691
+HK$1,987/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,408/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,017 · 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).