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$17,864
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,420
−HK$565/mo
Today · 4.125%
HK$18,985
baseline
▲ 0.50% · 4.625%
HK$20,140
+HK$1,155/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,970/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,874
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,407
−HK$541/mo
Today · 4.125%
HK$20,948
baseline
▲ 0.50% · 4.625%
HK$22,052
+HK$1,104/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,896/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,437
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,104
−HK$677/mo
Today · 4.125%
HK$22,781
baseline
▲ 0.50% · 4.625%
HK$24,168
+HK$1,387/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,562/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,849
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,488
−HK$649/mo
Today · 4.125%
HK$25,137
baseline
▲ 0.50% · 4.625%
HK$26,462
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,274/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,010
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,788
−HK$790/mo
Today · 4.125%
HK$26,578
baseline
▲ 0.50% · 4.625%
HK$28,196
+HK$1,618/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,156/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,823
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,570
−HK$757/mo
Today · 4.125%
HK$29,327
baseline
▲ 0.50% · 4.625%
HK$30,872
+HK$1,545/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,654/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,156
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,156
−HK$1,016/mo
Today · 4.125%
HK$34,172
baseline
▲ 0.50% · 4.625%
HK$36,251
+HK$2,079/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,344/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,773
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,732
−HK$974/mo
Today · 4.125%
HK$37,706
baseline
▲ 0.50% · 4.625%
HK$39,693
+HK$1,987/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,412/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,030 · 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).