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$17,894
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,450
−HK$566/mo
Today · 4.125%
HK$19,016
baseline
▲ 0.50% · 4.625%
HK$20,173
+HK$1,157/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,032/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,907
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,441
−HK$541/mo
Today · 4.125%
HK$20,982
baseline
▲ 0.50% · 4.625%
HK$22,088
+HK$1,106/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,964/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,473
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,141
−HK$678/mo
Today · 4.125%
HK$22,819
baseline
▲ 0.50% · 4.625%
HK$24,208
+HK$1,389/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,638/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,888
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,529
−HK$650/mo
Today · 4.125%
HK$25,179
baseline
▲ 0.50% · 4.625%
HK$26,506
+HK$1,327/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,358/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,051
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,831
−HK$791/mo
Today · 4.125%
HK$26,622
baseline
▲ 0.50% · 4.625%
HK$28,242
+HK$1,620/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,244/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,869
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,617
−HK$758/mo
Today · 4.125%
HK$29,375
baseline
▲ 0.50% · 4.625%
HK$30,923
+HK$1,548/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,750/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,209
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$33,211
−HK$1,018/mo
Today · 4.125%
HK$34,229
baseline
▲ 0.50% · 4.625%
HK$36,311
+HK$2,082/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$68,458/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,832
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,793
−HK$975/mo
Today · 4.125%
HK$37,768
baseline
▲ 0.50% · 4.625%
HK$39,759
+HK$1,991/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$75,536/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,419 · 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).