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$17,868
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,424
−HK$565/mo
Today · 4.125%
HK$18,989
baseline
▲ 0.50% · 4.625%
HK$20,144
+HK$1,155/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,978/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,878
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,411
−HK$541/mo
Today · 4.125%
HK$20,952
baseline
▲ 0.50% · 4.625%
HK$22,057
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,904/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,442
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,109
−HK$677/mo
Today · 4.125%
HK$22,786
baseline
▲ 0.50% · 4.625%
HK$24,173
+HK$1,387/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,572/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,854
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,494
−HK$649/mo
Today · 4.125%
HK$25,143
baseline
▲ 0.50% · 4.625%
HK$26,468
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,286/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,015
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,794
−HK$790/mo
Today · 4.125%
HK$26,584
baseline
▲ 0.50% · 4.625%
HK$28,202
+HK$1,618/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,168/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,829
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,576
−HK$757/mo
Today · 4.125%
HK$29,333
baseline
▲ 0.50% · 4.625%
HK$30,879
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,666/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,163
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,163
−HK$1,017/mo
Today · 4.125%
HK$34,180
baseline
▲ 0.50% · 4.625%
HK$36,259
+HK$2,079/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$68,360/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,781
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,740
−HK$974/mo
Today · 4.125%
HK$37,714
baseline
▲ 0.50% · 4.625%
HK$39,702
+HK$1,988/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$75,428/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,081 · 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).