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$17,896
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,453
−HK$565/mo
Today · 4.125%
HK$19,018
baseline
▲ 0.50% · 4.625%
HK$20,175
+HK$1,157/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,036/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,909
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,443
−HK$542/mo
Today · 4.125%
HK$20,985
baseline
▲ 0.50% · 4.625%
HK$22,091
+HK$1,106/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,970/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,475
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,143
−HK$679/mo
Today · 4.125%
HK$22,822
baseline
▲ 0.50% · 4.625%
HK$24,210
+HK$1,388/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,644/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,891
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,532
−HK$650/mo
Today · 4.125%
HK$25,182
baseline
▲ 0.50% · 4.625%
HK$26,509
+HK$1,327/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,364/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,054
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,834
−HK$791/mo
Today · 4.125%
HK$26,625
baseline
▲ 0.50% · 4.625%
HK$28,246
+HK$1,621/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,250/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,873
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,620
−HK$759/mo
Today · 4.125%
HK$29,379
baseline
▲ 0.50% · 4.625%
HK$30,927
+HK$1,548/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,758/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,213
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,215
−HK$1,018/mo
Today · 4.125%
HK$34,233
baseline
▲ 0.50% · 4.625%
HK$36,316
+HK$2,083/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$68,466/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,836
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,797
−HK$975/mo
Today · 4.125%
HK$37,772
baseline
▲ 0.50% · 4.625%
HK$39,763
+HK$1,991/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$75,544/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,447 · 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).