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$17,934
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,492
−HK$567/mo
Today · 4.125%
HK$19,059
baseline
▲ 0.50% · 4.625%
HK$20,219
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,118/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,952
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,487
−HK$543/mo
Today · 4.125%
HK$21,030
baseline
▲ 0.50% · 4.625%
HK$22,138
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,060/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,521
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,191
−HK$680/mo
Today · 4.125%
HK$22,871
baseline
▲ 0.50% · 4.625%
HK$24,262
+HK$1,391/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,742/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,942
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,584
−HK$652/mo
Today · 4.125%
HK$25,236
baseline
▲ 0.50% · 4.625%
HK$26,566
+HK$1,330/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,472/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,108
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,889
−HK$793/mo
Today · 4.125%
HK$26,682
baseline
▲ 0.50% · 4.625%
HK$28,306
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,364/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,932
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,681
−HK$760/mo
Today · 4.125%
HK$29,441
baseline
▲ 0.50% · 4.625%
HK$30,993
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,882/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,282
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,286
−HK$1,020/mo
Today · 4.125%
HK$34,306
baseline
▲ 0.50% · 4.625%
HK$36,393
+HK$2,087/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,612/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,913
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,876
−HK$977/mo
Today · 4.125%
HK$37,853
baseline
▲ 0.50% · 4.625%
HK$39,849
+HK$1,996/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,706/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,951 · 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).