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$17,871
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,427
−HK$564/mo
Today · 4.125%
HK$18,991
baseline
▲ 0.50% · 4.625%
HK$20,147
+HK$1,156/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,982/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,881
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,414
−HK$541/mo
Today · 4.125%
HK$20,955
baseline
▲ 0.50% · 4.625%
HK$22,060
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,910/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,445
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,112
−HK$678/mo
Today · 4.125%
HK$22,790
baseline
▲ 0.50% · 4.625%
HK$24,176
+HK$1,386/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,580/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,857
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,497
−HK$649/mo
Today · 4.125%
HK$25,146
baseline
▲ 0.50% · 4.625%
HK$26,472
+HK$1,326/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,292/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,019
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,797
−HK$791/mo
Today · 4.125%
HK$26,588
baseline
▲ 0.50% · 4.625%
HK$28,206
+HK$1,618/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,176/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,833
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,580
−HK$757/mo
Today · 4.125%
HK$29,337
baseline
▲ 0.50% · 4.625%
HK$30,883
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,674/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,167
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,168
−HK$1,016/mo
Today · 4.125%
HK$34,184
baseline
▲ 0.50% · 4.625%
HK$36,264
+HK$2,080/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$68,368/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,786
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,745
−HK$974/mo
Today · 4.125%
HK$37,719
baseline
▲ 0.50% · 4.625%
HK$39,707
+HK$1,988/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$75,438/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,115 · 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).