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$17,889
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,445
−HK$565/mo
Today · 4.125%
HK$19,010
baseline
▲ 0.50% · 4.625%
HK$20,167
+HK$1,157/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,020/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,901
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,435
−HK$541/mo
Today · 4.125%
HK$20,976
baseline
▲ 0.50% · 4.625%
HK$22,082
+HK$1,106/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,952/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,466
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,134
−HK$679/mo
Today · 4.125%
HK$22,813
baseline
▲ 0.50% · 4.625%
HK$24,201
+HK$1,388/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,626/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,881
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,522
−HK$649/mo
Today · 4.125%
HK$25,171
baseline
▲ 0.50% · 4.625%
HK$26,498
+HK$1,327/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,342/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,044
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,823
−HK$792/mo
Today · 4.125%
HK$26,615
baseline
▲ 0.50% · 4.625%
HK$28,234
+HK$1,619/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,230/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,861
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,609
−HK$758/mo
Today · 4.125%
HK$29,367
baseline
▲ 0.50% · 4.625%
HK$30,915
+HK$1,548/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,734/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,200
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,201
−HK$1,018/mo
Today · 4.125%
HK$34,219
baseline
▲ 0.50% · 4.625%
HK$36,301
+HK$2,082/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$68,438/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,822
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,782
−HK$975/mo
Today · 4.125%
HK$37,757
baseline
▲ 0.50% · 4.625%
HK$39,747
+HK$1,990/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$75,514/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,351 · 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).