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$17,882
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,438
−HK$565/mo
Today · 4.125%
HK$19,003
baseline
▲ 0.50% · 4.625%
HK$20,160
+HK$1,157/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,006/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,894
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,427
−HK$541/mo
Today · 4.125%
HK$20,968
baseline
▲ 0.50% · 4.625%
HK$22,074
+HK$1,106/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,936/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,458
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,126
−HK$678/mo
Today · 4.125%
HK$22,804
baseline
▲ 0.50% · 4.625%
HK$24,192
+HK$1,388/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,608/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,872
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,512
−HK$650/mo
Today · 4.125%
HK$25,162
baseline
▲ 0.50% · 4.625%
HK$26,488
+HK$1,326/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,324/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,035
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,814
−HK$791/mo
Today · 4.125%
HK$26,605
baseline
▲ 0.50% · 4.625%
HK$28,224
+HK$1,619/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,210/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,851
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,598
−HK$758/mo
Today · 4.125%
HK$29,356
baseline
▲ 0.50% · 4.625%
HK$30,903
+HK$1,547/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,712/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,188
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,189
−HK$1,017/mo
Today · 4.125%
HK$34,206
baseline
▲ 0.50% · 4.625%
HK$36,287
+HK$2,081/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$68,412/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,808
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,769
−HK$974/mo
Today · 4.125%
HK$37,743
baseline
▲ 0.50% · 4.625%
HK$39,732
+HK$1,989/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$75,486/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,264 · 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).