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$17,881
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,437
−HK$565/mo
Today · 4.125%
HK$19,002
baseline
▲ 0.50% · 4.625%
HK$20,158
+HK$1,156/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,004/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,892
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,426
−HK$541/mo
Today · 4.125%
HK$20,967
baseline
▲ 0.50% · 4.625%
HK$22,072
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,934/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,457
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,124
−HK$678/mo
Today · 4.125%
HK$22,802
baseline
▲ 0.50% · 4.625%
HK$24,190
+HK$1,388/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$45,604/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,871
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,511
−HK$649/mo
Today · 4.125%
HK$25,160
baseline
▲ 0.50% · 4.625%
HK$26,486
+HK$1,326/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$50,320/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,033
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,812
−HK$791/mo
Today · 4.125%
HK$26,603
baseline
▲ 0.50% · 4.625%
HK$28,222
+HK$1,619/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,206/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,849
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,596
−HK$758/mo
Today · 4.125%
HK$29,354
baseline
▲ 0.50% · 4.625%
HK$30,901
+HK$1,547/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,708/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,185
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,187
−HK$1,017/mo
Today · 4.125%
HK$34,204
baseline
▲ 0.50% · 4.625%
HK$36,285
+HK$2,081/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$68,408/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,806
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,766
−HK$974/mo
Today · 4.125%
HK$37,740
baseline
▲ 0.50% · 4.625%
HK$39,730
+HK$1,990/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$75,480/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,247 · 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).