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$17,883
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,440
−HK$565/mo
Today · 4.125%
HK$19,005
baseline
▲ 0.50% · 4.625%
HK$20,161
+HK$1,156/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,010/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,895
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,429
−HK$541/mo
Today · 4.125%
HK$20,970
baseline
▲ 0.50% · 4.625%
HK$22,075
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,940/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,460
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,128
−HK$678/mo
Today · 4.125%
HK$22,806
baseline
▲ 0.50% · 4.625%
HK$24,194
+HK$1,388/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,612/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,874
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,514
−HK$650/mo
Today · 4.125%
HK$25,164
baseline
▲ 0.50% · 4.625%
HK$26,490
+HK$1,326/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,328/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,037
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,816
−HK$791/mo
Today · 4.125%
HK$26,607
baseline
▲ 0.50% · 4.625%
HK$28,226
+HK$1,619/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,214/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,853
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,600
−HK$758/mo
Today · 4.125%
HK$29,358
baseline
▲ 0.50% · 4.625%
HK$30,906
+HK$1,548/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,716/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,190
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,192
−HK$1,017/mo
Today · 4.125%
HK$34,209
baseline
▲ 0.50% · 4.625%
HK$36,290
+HK$2,081/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$68,418/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,811
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,772
−HK$974/mo
Today · 4.125%
HK$37,746
baseline
▲ 0.50% · 4.625%
HK$39,736
+HK$1,990/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$75,492/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,283 · 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).