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$17,898
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,455
−HK$566/mo
Today · 4.125%
HK$19,021
baseline
▲ 0.50% · 4.625%
HK$20,178
+HK$1,157/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,042/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,911
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,446
−HK$541/mo
Today · 4.125%
HK$20,987
baseline
▲ 0.50% · 4.625%
HK$22,094
+HK$1,107/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,974/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,478
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,146
−HK$679/mo
Today · 4.125%
HK$22,825
baseline
▲ 0.50% · 4.625%
HK$24,213
+HK$1,388/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,650/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,894
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,535
−HK$650/mo
Today · 4.125%
HK$25,185
baseline
▲ 0.50% · 4.625%
HK$26,512
+HK$1,327/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,370/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,057
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,837
−HK$792/mo
Today · 4.125%
HK$26,629
baseline
▲ 0.50% · 4.625%
HK$28,249
+HK$1,620/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,258/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,876
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,624
−HK$758/mo
Today · 4.125%
HK$29,382
baseline
▲ 0.50% · 4.625%
HK$30,931
+HK$1,549/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,764/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,217
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,219
−HK$1,018/mo
Today · 4.125%
HK$34,237
baseline
▲ 0.50% · 4.625%
HK$36,320
+HK$2,083/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$68,474/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,841
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,802
−HK$975/mo
Today · 4.125%
HK$37,777
baseline
▲ 0.50% · 4.625%
HK$39,768
+HK$1,991/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$75,554/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,476 · 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).