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$17,890
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,446
−HK$566/mo
Today · 4.125%
HK$19,012
baseline
▲ 0.50% · 4.625%
HK$20,169
+HK$1,157/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,024/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,902
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,436
−HK$542/mo
Today · 4.125%
HK$20,978
baseline
▲ 0.50% · 4.625%
HK$22,083
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,956/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,468
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,136
−HK$678/mo
Today · 4.125%
HK$22,814
baseline
▲ 0.50% · 4.625%
HK$24,202
+HK$1,388/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,628/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,883
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,523
−HK$650/mo
Today · 4.125%
HK$25,173
baseline
▲ 0.50% · 4.625%
HK$26,500
+HK$1,327/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,346/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,046
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,825
−HK$791/mo
Today · 4.125%
HK$26,616
baseline
▲ 0.50% · 4.625%
HK$28,236
+HK$1,620/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,232/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,863
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,611
−HK$758/mo
Today · 4.125%
HK$29,369
baseline
▲ 0.50% · 4.625%
HK$30,917
+HK$1,548/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,738/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,202
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,203
−HK$1,018/mo
Today · 4.125%
HK$34,221
baseline
▲ 0.50% · 4.625%
HK$36,303
+HK$2,082/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$68,442/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,824
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,785
−HK$975/mo
Today · 4.125%
HK$37,760
baseline
▲ 0.50% · 4.625%
HK$39,750
+HK$1,990/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$75,520/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,367 · 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).