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$17,875
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,431
−HK$565/mo
Today · 4.125%
HK$18,996
baseline
▲ 0.50% · 4.625%
HK$20,151
+HK$1,155/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,992/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,885
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,419
−HK$541/mo
Today · 4.125%
HK$20,960
baseline
▲ 0.50% · 4.625%
HK$22,065
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,920/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,450
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,117
−HK$678/mo
Today · 4.125%
HK$22,795
baseline
▲ 0.50% · 4.625%
HK$24,182
+HK$1,387/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$45,590/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,862
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,502
−HK$650/mo
Today · 4.125%
HK$25,152
baseline
▲ 0.50% · 4.625%
HK$26,477
+HK$1,325/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$50,304/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,025
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,803
−HK$791/mo
Today · 4.125%
HK$26,594
baseline
▲ 0.50% · 4.625%
HK$28,212
+HK$1,618/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,188/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,840
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,586
−HK$758/mo
Today · 4.125%
HK$29,344
baseline
▲ 0.50% · 4.625%
HK$30,890
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,688/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,174
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,175
−HK$1,017/mo
Today · 4.125%
HK$34,192
baseline
▲ 0.50% · 4.625%
HK$36,273
+HK$2,081/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$68,384/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,794
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,754
−HK$974/mo
Today · 4.125%
HK$37,728
baseline
▲ 0.50% · 4.625%
HK$39,716
+HK$1,988/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$75,456/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,167 · 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).