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$17,870
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,426
−HK$565/mo
Today · 4.125%
HK$18,991
baseline
▲ 0.50% · 4.625%
HK$20,146
+HK$1,155/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,982/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,880
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,413
−HK$541/mo
Today · 4.125%
HK$20,954
baseline
▲ 0.50% · 4.625%
HK$22,059
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,908/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,444
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,111
−HK$678/mo
Today · 4.125%
HK$22,789
baseline
▲ 0.50% · 4.625%
HK$24,175
+HK$1,386/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,578/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,856
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,496
−HK$649/mo
Today · 4.125%
HK$25,145
baseline
▲ 0.50% · 4.625%
HK$26,470
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,290/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,018
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,796
−HK$791/mo
Today · 4.125%
HK$26,587
baseline
▲ 0.50% · 4.625%
HK$28,204
+HK$1,617/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,174/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,832
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,579
−HK$757/mo
Today · 4.125%
HK$29,336
baseline
▲ 0.50% · 4.625%
HK$30,882
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,672/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,166
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,166
−HK$1,017/mo
Today · 4.125%
HK$34,183
baseline
▲ 0.50% · 4.625%
HK$36,263
+HK$2,080/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$68,366/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,784
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,744
−HK$974/mo
Today · 4.125%
HK$37,718
baseline
▲ 0.50% · 4.625%
HK$39,706
+HK$1,988/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$75,436/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,105 · 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).