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$17,878
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,434
−HK$565/mo
Today · 4.125%
HK$18,999
baseline
▲ 0.50% · 4.625%
HK$20,155
+HK$1,156/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,998/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,889
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,423
−HK$541/mo
Today · 4.125%
HK$20,964
baseline
▲ 0.50% · 4.625%
HK$22,069
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,928/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,454
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,121
−HK$678/mo
Today · 4.125%
HK$22,799
baseline
▲ 0.50% · 4.625%
HK$24,186
+HK$1,387/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$45,598/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,867
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,507
−HK$650/mo
Today · 4.125%
HK$25,157
baseline
▲ 0.50% · 4.625%
HK$26,483
+HK$1,326/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$50,314/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,029
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,808
−HK$791/mo
Today · 4.125%
HK$26,599
baseline
▲ 0.50% · 4.625%
HK$28,217
+HK$1,618/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,198/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,845
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,592
−HK$757/mo
Today · 4.125%
HK$29,349
baseline
▲ 0.50% · 4.625%
HK$30,896
+HK$1,547/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,698/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,181
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,182
−HK$1,017/mo
Today · 4.125%
HK$34,199
baseline
▲ 0.50% · 4.625%
HK$36,280
+HK$2,081/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$68,398/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,801
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,761
−HK$974/mo
Today · 4.125%
HK$37,735
baseline
▲ 0.50% · 4.625%
HK$39,724
+HK$1,989/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$75,470/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,213 · 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).