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$1,121/mo
▼ 0.25% · 3.875%
HK$18,427
−HK$565/mo
Today · 4.125%
HK$18,992
baseline
▲ 0.50% · 4.625%
HK$20,147
+HK$1,155/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,984/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,882
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,415
−HK$541/mo
Today · 4.125%
HK$20,956
baseline
▲ 0.50% · 4.625%
HK$22,060
+HK$1,104/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,912/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,121 · 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$24,177
+HK$1,387/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$235,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,858
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,498
−HK$649/mo
Today · 4.125%
HK$25,147
baseline
▲ 0.50% · 4.625%
HK$26,472
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,294/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,020
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,798
−HK$791/mo
Today · 4.125%
HK$26,589
baseline
▲ 0.50% · 4.625%
HK$28,206
+HK$1,617/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,178/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,834
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,581
−HK$757/mo
Today · 4.125%
HK$29,338
baseline
▲ 0.50% · 4.625%
HK$30,884
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,676/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,168
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,169
−HK$1,016/mo
Today · 4.125%
HK$34,185
baseline
▲ 0.50% · 4.625%
HK$36,265
+HK$2,080/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$68,370/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,787
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,747
−HK$973/mo
Today · 4.125%
HK$37,720
baseline
▲ 0.50% · 4.625%
HK$39,708
+HK$1,988/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$75,440/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,121 · 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).