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$17,895
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,451
−HK$566/mo
Today · 4.125%
HK$19,017
baseline
▲ 0.50% · 4.625%
HK$20,174
+HK$1,157/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,034/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,908
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,441
−HK$542/mo
Today · 4.125%
HK$20,983
baseline
▲ 0.50% · 4.625%
HK$22,089
+HK$1,106/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,966/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,473
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,141
−HK$679/mo
Today · 4.125%
HK$22,820
baseline
▲ 0.50% · 4.625%
HK$24,209
+HK$1,389/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,640/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,889
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,530
−HK$650/mo
Today · 4.125%
HK$25,180
baseline
▲ 0.50% · 4.625%
HK$26,507
+HK$1,327/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,360/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,052
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,832
−HK$791/mo
Today · 4.125%
HK$26,623
baseline
▲ 0.50% · 4.625%
HK$28,243
+HK$1,620/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,246/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,871
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,618
−HK$758/mo
Today · 4.125%
HK$29,376
baseline
▲ 0.50% · 4.625%
HK$30,925
+HK$1,549/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,752/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,210
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,212
−HK$1,018/mo
Today · 4.125%
HK$34,230
baseline
▲ 0.50% · 4.625%
HK$36,313
+HK$2,083/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$68,460/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,834
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,795
−HK$975/mo
Today · 4.125%
HK$37,770
baseline
▲ 0.50% · 4.625%
HK$39,760
+HK$1,990/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$75,540/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,429 · 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).