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$17,876
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,433
−HK$564/mo
Today · 4.125%
HK$18,997
baseline
▲ 0.50% · 4.625%
HK$20,153
+HK$1,156/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,994/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,887
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,421
−HK$541/mo
Today · 4.125%
HK$20,962
baseline
▲ 0.50% · 4.625%
HK$22,067
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,924/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,452
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,119
−HK$678/mo
Today · 4.125%
HK$22,797
baseline
▲ 0.50% · 4.625%
HK$24,184
+HK$1,387/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$45,594/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,865
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,505
−HK$649/mo
Today · 4.125%
HK$25,154
baseline
▲ 0.50% · 4.625%
HK$26,480
+HK$1,326/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$50,308/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,027
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,806
−HK$790/mo
Today · 4.125%
HK$26,596
baseline
▲ 0.50% · 4.625%
HK$28,215
+HK$1,619/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,192/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,842
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,589
−HK$758/mo
Today · 4.125%
HK$29,347
baseline
▲ 0.50% · 4.625%
HK$30,893
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,694/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,178
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,179
−HK$1,016/mo
Today · 4.125%
HK$34,195
baseline
▲ 0.50% · 4.625%
HK$36,276
+HK$2,081/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$68,390/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,797
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,757
−HK$974/mo
Today · 4.125%
HK$37,731
baseline
▲ 0.50% · 4.625%
HK$39,720
+HK$1,989/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$75,462/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,191 · 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).