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$17,900
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,456
−HK$566/mo
Today · 4.125%
HK$19,022
baseline
▲ 0.50% · 4.625%
HK$20,180
+HK$1,158/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,044/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,913
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,447
−HK$542/mo
Today · 4.125%
HK$20,989
baseline
▲ 0.50% · 4.625%
HK$22,095
+HK$1,106/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,978/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,480
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,148
−HK$679/mo
Today · 4.125%
HK$22,827
baseline
▲ 0.50% · 4.625%
HK$24,215
+HK$1,388/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,654/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,896
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,537
−HK$650/mo
Today · 4.125%
HK$25,187
baseline
▲ 0.50% · 4.625%
HK$26,514
+HK$1,327/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,374/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,059
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,839
−HK$792/mo
Today · 4.125%
HK$26,631
baseline
▲ 0.50% · 4.625%
HK$28,251
+HK$1,620/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,262/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,878
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,626
−HK$759/mo
Today · 4.125%
HK$29,385
baseline
▲ 0.50% · 4.625%
HK$30,933
+HK$1,548/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,770/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,219
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,222
−HK$1,018/mo
Today · 4.125%
HK$34,240
baseline
▲ 0.50% · 4.625%
HK$36,323
+HK$2,083/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$68,480/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,844
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,805
−HK$975/mo
Today · 4.125%
HK$37,780
baseline
▲ 0.50% · 4.625%
HK$39,772
+HK$1,992/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$75,560/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,495 · 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).