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$17,884
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,441
−HK$565/mo
Today · 4.125%
HK$19,006
baseline
▲ 0.50% · 4.625%
HK$20,162
+HK$1,156/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,012/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,896
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,430
−HK$541/mo
Today · 4.125%
HK$20,971
baseline
▲ 0.50% · 4.625%
HK$22,076
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,942/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,461
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,129
−HK$678/mo
Today · 4.125%
HK$22,807
baseline
▲ 0.50% · 4.625%
HK$24,195
+HK$1,388/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,614/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,875
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,516
−HK$649/mo
Today · 4.125%
HK$25,165
baseline
▲ 0.50% · 4.625%
HK$26,492
+HK$1,327/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,330/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,038
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,817
−HK$791/mo
Today · 4.125%
HK$26,608
baseline
▲ 0.50% · 4.625%
HK$28,227
+HK$1,619/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,216/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,854
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,601
−HK$758/mo
Today · 4.125%
HK$29,359
baseline
▲ 0.50% · 4.625%
HK$30,907
+HK$1,548/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,718/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,192
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,193
−HK$1,017/mo
Today · 4.125%
HK$34,210
baseline
▲ 0.50% · 4.625%
HK$36,292
+HK$2,082/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$68,420/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,813
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,773
−HK$975/mo
Today · 4.125%
HK$37,748
baseline
▲ 0.50% · 4.625%
HK$39,737
+HK$1,989/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$75,496/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,293 · 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).