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$17,865
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,420
−HK$565/mo
Today · 4.125%
HK$18,985
baseline
▲ 0.50% · 4.625%
HK$20,140
+HK$1,155/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,970/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,874
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,407
−HK$541/mo
Today · 4.125%
HK$20,948
baseline
▲ 0.50% · 4.625%
HK$22,052
+HK$1,104/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,896/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,438
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,104
−HK$678/mo
Today · 4.125%
HK$22,782
baseline
▲ 0.50% · 4.625%
HK$24,168
+HK$1,386/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,564/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,849
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,489
−HK$649/mo
Today · 4.125%
HK$25,138
baseline
▲ 0.50% · 4.625%
HK$26,463
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,276/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,011
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,788
−HK$791/mo
Today · 4.125%
HK$26,579
baseline
▲ 0.50% · 4.625%
HK$28,196
+HK$1,617/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,158/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,824
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,570
−HK$757/mo
Today · 4.125%
HK$29,327
baseline
▲ 0.50% · 4.625%
HK$30,873
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,654/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,156
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,157
−HK$1,016/mo
Today · 4.125%
HK$34,173
baseline
▲ 0.50% · 4.625%
HK$36,252
+HK$2,079/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,346/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,774
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,733
−HK$973/mo
Today · 4.125%
HK$37,706
baseline
▲ 0.50% · 4.625%
HK$39,694
+HK$1,988/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,412/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,035 · 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).