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$17,875
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,431
−HK$565/mo
Today · 4.125%
HK$18,996
baseline
▲ 0.50% · 4.625%
HK$20,152
+HK$1,156/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,992/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,886
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,419
−HK$541/mo
Today · 4.125%
HK$20,960
baseline
▲ 0.50% · 4.625%
HK$22,065
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,920/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,450
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,118
−HK$677/mo
Today · 4.125%
HK$22,795
baseline
▲ 0.50% · 4.625%
HK$24,182
+HK$1,387/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$45,590/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,863
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,503
−HK$649/mo
Today · 4.125%
HK$25,152
baseline
▲ 0.50% · 4.625%
HK$26,478
+HK$1,326/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$50,304/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,025
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,804
−HK$791/mo
Today · 4.125%
HK$26,595
baseline
▲ 0.50% · 4.625%
HK$28,213
+HK$1,618/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,190/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,840
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,587
−HK$758/mo
Today · 4.125%
HK$29,345
baseline
▲ 0.50% · 4.625%
HK$30,891
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,690/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,175
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,176
−HK$1,017/mo
Today · 4.125%
HK$34,193
baseline
▲ 0.50% · 4.625%
HK$36,274
+HK$2,081/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$68,386/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,795
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,755
−HK$974/mo
Today · 4.125%
HK$37,729
baseline
▲ 0.50% · 4.625%
HK$39,717
+HK$1,988/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$75,458/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,175 · 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).