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$17,863
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,418
−HK$565/mo
Today · 4.125%
HK$18,983
baseline
▲ 0.50% · 4.625%
HK$20,138
+HK$1,155/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,966/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,872
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,405
−HK$541/mo
Today · 4.125%
HK$20,946
baseline
▲ 0.50% · 4.625%
HK$22,050
+HK$1,104/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,892/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,435
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,102
−HK$678/mo
Today · 4.125%
HK$22,780
baseline
▲ 0.50% · 4.625%
HK$24,166
+HK$1,386/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,560/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,847
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,486
−HK$649/mo
Today · 4.125%
HK$25,135
baseline
▲ 0.50% · 4.625%
HK$26,460
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,270/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,008
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,786
−HK$790/mo
Today · 4.125%
HK$26,576
baseline
▲ 0.50% · 4.625%
HK$28,193
+HK$1,617/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,152/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,821
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,567
−HK$757/mo
Today · 4.125%
HK$29,324
baseline
▲ 0.50% · 4.625%
HK$30,870
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,648/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,153
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,153
−HK$1,016/mo
Today · 4.125%
HK$34,169
baseline
▲ 0.50% · 4.625%
HK$36,248
+HK$2,079/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,338/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,770
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,729
−HK$973/mo
Today · 4.125%
HK$37,702
baseline
▲ 0.50% · 4.625%
HK$39,690
+HK$1,988/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,404/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,011 · 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).