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$17,887
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,444
−HK$565/mo
Today · 4.125%
HK$19,009
baseline
▲ 0.50% · 4.625%
HK$20,166
+HK$1,157/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,018/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,900
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,433
−HK$542/mo
Today · 4.125%
HK$20,975
baseline
▲ 0.50% · 4.625%
HK$22,080
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,950/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,465
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,133
−HK$678/mo
Today · 4.125%
HK$22,811
baseline
▲ 0.50% · 4.625%
HK$24,199
+HK$1,388/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,622/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,879
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,520
−HK$650/mo
Today · 4.125%
HK$25,170
baseline
▲ 0.50% · 4.625%
HK$26,496
+HK$1,326/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,340/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,042
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,821
−HK$792/mo
Today · 4.125%
HK$26,613
baseline
▲ 0.50% · 4.625%
HK$28,232
+HK$1,619/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,226/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,859
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,606
−HK$758/mo
Today · 4.125%
HK$29,364
baseline
▲ 0.50% · 4.625%
HK$30,912
+HK$1,548/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,728/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,197
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,199
−HK$1,017/mo
Today · 4.125%
HK$34,216
baseline
▲ 0.50% · 4.625%
HK$36,298
+HK$2,082/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$68,432/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,819
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,780
−HK$974/mo
Today · 4.125%
HK$37,754
baseline
▲ 0.50% · 4.625%
HK$39,744
+HK$1,990/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$75,508/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,334 · 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).