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$17,897
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,453
−HK$566/mo
Today · 4.125%
HK$19,019
baseline
▲ 0.50% · 4.625%
HK$20,176
+HK$1,157/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,038/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,910
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,444
−HK$541/mo
Today · 4.125%
HK$20,985
baseline
▲ 0.50% · 4.625%
HK$22,092
+HK$1,107/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,970/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,476
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,144
−HK$679/mo
Today · 4.125%
HK$22,823
baseline
▲ 0.50% · 4.625%
HK$24,211
+HK$1,388/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,646/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,892
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,532
−HK$650/mo
Today · 4.125%
HK$25,182
baseline
▲ 0.50% · 4.625%
HK$26,510
+HK$1,328/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,364/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,055
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,835
−HK$791/mo
Today · 4.125%
HK$26,626
baseline
▲ 0.50% · 4.625%
HK$28,246
+HK$1,620/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,252/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,874
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,621
−HK$759/mo
Today · 4.125%
HK$29,380
baseline
▲ 0.50% · 4.625%
HK$30,928
+HK$1,548/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,760/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,214
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,216
−HK$1,018/mo
Today · 4.125%
HK$34,234
baseline
▲ 0.50% · 4.625%
HK$36,317
+HK$2,083/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$68,468/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,837
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,799
−HK$975/mo
Today · 4.125%
HK$37,774
baseline
▲ 0.50% · 4.625%
HK$39,765
+HK$1,991/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$75,548/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,455 · 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).