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$17,893
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,450
−HK$565/mo
Today · 4.125%
HK$19,015
baseline
▲ 0.50% · 4.625%
HK$20,172
+HK$1,157/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,030/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,906
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,440
−HK$541/mo
Today · 4.125%
HK$20,981
baseline
▲ 0.50% · 4.625%
HK$22,087
+HK$1,106/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,962/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,472
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,140
−HK$678/mo
Today · 4.125%
HK$22,818
baseline
▲ 0.50% · 4.625%
HK$24,207
+HK$1,389/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,636/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,887
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,528
−HK$650/mo
Today · 4.125%
HK$25,178
baseline
▲ 0.50% · 4.625%
HK$26,505
+HK$1,327/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,356/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,050
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,830
−HK$791/mo
Today · 4.125%
HK$26,621
baseline
▲ 0.50% · 4.625%
HK$28,241
+HK$1,620/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,242/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,868
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,616
−HK$758/mo
Today · 4.125%
HK$29,374
baseline
▲ 0.50% · 4.625%
HK$30,922
+HK$1,548/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,748/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,208
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,210
−HK$1,017/mo
Today · 4.125%
HK$34,227
baseline
▲ 0.50% · 4.625%
HK$36,310
+HK$2,083/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$68,454/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,831
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,792
−HK$975/mo
Today · 4.125%
HK$37,767
baseline
▲ 0.50% · 4.625%
HK$39,757
+HK$1,990/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$75,534/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,410 · 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).