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$17,856
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,411
−HK$565/mo
Today · 4.125%
HK$18,976
baseline
▲ 0.50% · 4.625%
HK$20,130
+HK$1,154/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,952/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,865
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,397
−HK$541/mo
Today · 4.125%
HK$20,938
baseline
▲ 0.50% · 4.625%
HK$22,041
+HK$1,103/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,876/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,427
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,094
−HK$677/mo
Today · 4.125%
HK$22,771
baseline
▲ 0.50% · 4.625%
HK$24,156
+HK$1,385/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,542/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,837
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,477
−HK$648/mo
Today · 4.125%
HK$25,125
baseline
▲ 0.50% · 4.625%
HK$26,450
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,250/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,998
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,776
−HK$790/mo
Today · 4.125%
HK$26,566
baseline
▲ 0.50% · 4.625%
HK$28,182
+HK$1,616/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,132/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,810
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,556
−HK$757/mo
Today · 4.125%
HK$29,313
baseline
▲ 0.50% · 4.625%
HK$30,858
+HK$1,545/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,626/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,141
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,140
−HK$1,016/mo
Today · 4.125%
HK$34,156
baseline
▲ 0.50% · 4.625%
HK$36,234
+HK$2,078/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,312/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,756
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,715
−HK$973/mo
Today · 4.125%
HK$37,688
baseline
▲ 0.50% · 4.625%
HK$39,674
+HK$1,986/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,376/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,920 · 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).