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$17,879
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,435
−HK$565/mo
Today · 4.125%
HK$19,000
baseline
▲ 0.50% · 4.625%
HK$20,156
+HK$1,156/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,000/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,890
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,424
−HK$541/mo
Today · 4.125%
HK$20,965
baseline
▲ 0.50% · 4.625%
HK$22,070
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,930/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,455
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,122
−HK$678/mo
Today · 4.125%
HK$22,800
baseline
▲ 0.50% · 4.625%
HK$24,188
+HK$1,388/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$45,600/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,868
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,509
−HK$649/mo
Today · 4.125%
HK$25,158
baseline
▲ 0.50% · 4.625%
HK$26,484
+HK$1,326/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$50,316/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,031
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,809
−HK$791/mo
Today · 4.125%
HK$26,600
baseline
▲ 0.50% · 4.625%
HK$28,219
+HK$1,619/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,200/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,846
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,593
−HK$758/mo
Today · 4.125%
HK$29,351
baseline
▲ 0.50% · 4.625%
HK$30,898
+HK$1,547/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,702/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,182
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,183
−HK$1,017/mo
Today · 4.125%
HK$34,200
baseline
▲ 0.50% · 4.625%
HK$36,281
+HK$2,081/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$68,400/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,803
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,763
−HK$974/mo
Today · 4.125%
HK$37,737
baseline
▲ 0.50% · 4.625%
HK$39,726
+HK$1,989/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$75,474/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,225 · 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).