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$17,888
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,444
−HK$566/mo
Today · 4.125%
HK$19,010
baseline
▲ 0.50% · 4.625%
HK$20,166
+HK$1,156/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,020/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,900
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,434
−HK$541/mo
Today · 4.125%
HK$20,975
baseline
▲ 0.50% · 4.625%
HK$22,081
+HK$1,106/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,950/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,465
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,133
−HK$678/mo
Today · 4.125%
HK$22,811
baseline
▲ 0.50% · 4.625%
HK$24,199
+HK$1,388/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,622/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,880
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,520
−HK$650/mo
Today · 4.125%
HK$25,170
baseline
▲ 0.50% · 4.625%
HK$26,497
+HK$1,327/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,340/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,043
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,822
−HK$791/mo
Today · 4.125%
HK$26,613
baseline
▲ 0.50% · 4.625%
HK$28,233
+HK$1,620/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,226/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,860
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,607
−HK$758/mo
Today · 4.125%
HK$29,365
baseline
▲ 0.50% · 4.625%
HK$30,913
+HK$1,548/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,730/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,198
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,200
−HK$1,017/mo
Today · 4.125%
HK$34,217
baseline
▲ 0.50% · 4.625%
HK$36,299
+HK$2,082/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$68,434/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,820
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,781
−HK$974/mo
Today · 4.125%
HK$37,755
baseline
▲ 0.50% · 4.625%
HK$39,745
+HK$1,990/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$75,510/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,340 · 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).