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$17,892
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,448
−HK$566/mo
Today · 4.125%
HK$19,014
baseline
▲ 0.50% · 4.625%
HK$20,170
+HK$1,156/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,028/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,904
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,438
−HK$542/mo
Today · 4.125%
HK$20,980
baseline
▲ 0.50% · 4.625%
HK$22,085
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,960/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,470
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,138
−HK$678/mo
Today · 4.125%
HK$22,816
baseline
▲ 0.50% · 4.625%
HK$24,205
+HK$1,389/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,632/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,885
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,526
−HK$649/mo
Today · 4.125%
HK$25,175
baseline
▲ 0.50% · 4.625%
HK$26,502
+HK$1,327/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,350/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,048
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,827
−HK$792/mo
Today · 4.125%
HK$26,619
baseline
▲ 0.50% · 4.625%
HK$28,239
+HK$1,620/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,238/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,866
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,613
−HK$758/mo
Today · 4.125%
HK$29,371
baseline
▲ 0.50% · 4.625%
HK$30,920
+HK$1,549/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,742/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,205
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,207
−HK$1,017/mo
Today · 4.125%
HK$34,224
baseline
▲ 0.50% · 4.625%
HK$36,307
+HK$2,083/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$68,448/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,828
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,788
−HK$975/mo
Today · 4.125%
HK$37,763
baseline
▲ 0.50% · 4.625%
HK$39,754
+HK$1,991/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$75,526/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,389 · 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).