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$17,896
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,452
−HK$566/mo
Today · 4.125%
HK$19,018
baseline
▲ 0.50% · 4.625%
HK$20,175
+HK$1,157/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,036/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,909
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,443
−HK$541/mo
Today · 4.125%
HK$20,984
baseline
▲ 0.50% · 4.625%
HK$22,090
+HK$1,106/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,968/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,475
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,143
−HK$678/mo
Today · 4.125%
HK$22,821
baseline
▲ 0.50% · 4.625%
HK$24,210
+HK$1,389/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,642/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,890
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,531
−HK$650/mo
Today · 4.125%
HK$25,181
baseline
▲ 0.50% · 4.625%
HK$26,508
+HK$1,327/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,362/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,054
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,833
−HK$792/mo
Today · 4.125%
HK$26,625
baseline
▲ 0.50% · 4.625%
HK$28,245
+HK$1,620/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,250/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,872
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,620
−HK$758/mo
Today · 4.125%
HK$29,378
baseline
▲ 0.50% · 4.625%
HK$30,927
+HK$1,549/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,756/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,212
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,214
−HK$1,018/mo
Today · 4.125%
HK$34,232
baseline
▲ 0.50% · 4.625%
HK$36,315
+HK$2,083/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$68,464/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,836
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,797
−HK$975/mo
Today · 4.125%
HK$37,772
baseline
▲ 0.50% · 4.625%
HK$39,763
+HK$1,991/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$75,544/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,443 · 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).