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$17,880
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,436
−HK$565/mo
Today · 4.125%
HK$19,001
baseline
▲ 0.50% · 4.625%
HK$20,157
+HK$1,156/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,002/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,891
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,424
−HK$541/mo
Today · 4.125%
HK$20,965
baseline
▲ 0.50% · 4.625%
HK$22,071
+HK$1,106/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,930/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,455
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,123
−HK$678/mo
Today · 4.125%
HK$22,801
baseline
▲ 0.50% · 4.625%
HK$24,188
+HK$1,387/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$45,602/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,869
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,509
−HK$650/mo
Today · 4.125%
HK$25,159
baseline
▲ 0.50% · 4.625%
HK$26,485
+HK$1,326/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$50,318/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,031
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,810
−HK$791/mo
Today · 4.125%
HK$26,601
baseline
▲ 0.50% · 4.625%
HK$28,220
+HK$1,619/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,202/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,847
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,594
−HK$758/mo
Today · 4.125%
HK$29,352
baseline
▲ 0.50% · 4.625%
HK$30,899
+HK$1,547/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,704/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,183
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,184
−HK$1,017/mo
Today · 4.125%
HK$34,201
baseline
▲ 0.50% · 4.625%
HK$36,282
+HK$2,081/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$68,402/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,804
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,764
−HK$974/mo
Today · 4.125%
HK$37,738
baseline
▲ 0.50% · 4.625%
HK$39,727
+HK$1,989/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$75,476/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,232 · 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).