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$17,874
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,430
−HK$565/mo
Today · 4.125%
HK$18,995
baseline
▲ 0.50% · 4.625%
HK$20,150
+HK$1,155/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,990/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,884
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,418
−HK$541/mo
Today · 4.125%
HK$20,959
baseline
▲ 0.50% · 4.625%
HK$22,063
+HK$1,104/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,918/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,448
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,116
−HK$677/mo
Today · 4.125%
HK$22,793
baseline
▲ 0.50% · 4.625%
HK$24,180
+HK$1,387/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$45,586/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,861
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,501
−HK$649/mo
Today · 4.125%
HK$25,150
baseline
▲ 0.50% · 4.625%
HK$26,476
+HK$1,326/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$50,300/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,023
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,802
−HK$790/mo
Today · 4.125%
HK$26,592
baseline
▲ 0.50% · 4.625%
HK$28,210
+HK$1,618/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,184/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,838
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,585
−HK$757/mo
Today · 4.125%
HK$29,342
baseline
▲ 0.50% · 4.625%
HK$30,889
+HK$1,547/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,684/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,173
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,173
−HK$1,017/mo
Today · 4.125%
HK$34,190
baseline
▲ 0.50% · 4.625%
HK$36,271
+HK$2,081/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$68,380/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,792
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,752
−HK$974/mo
Today · 4.125%
HK$37,726
baseline
▲ 0.50% · 4.625%
HK$39,714
+HK$1,988/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$75,452/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,155 · 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).