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$17,861
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,416
−HK$565/mo
Today · 4.125%
HK$18,981
baseline
▲ 0.50% · 4.625%
HK$20,136
+HK$1,155/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,962/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,870
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,403
−HK$541/mo
Today · 4.125%
HK$20,944
baseline
▲ 0.50% · 4.625%
HK$22,047
+HK$1,103/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,888/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,433
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,100
−HK$677/mo
Today · 4.125%
HK$22,777
baseline
▲ 0.50% · 4.625%
HK$24,163
+HK$1,386/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,554/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,844
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,484
−HK$648/mo
Today · 4.125%
HK$25,132
baseline
▲ 0.50% · 4.625%
HK$26,457
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,264/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,005
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,783
−HK$790/mo
Today · 4.125%
HK$26,573
baseline
▲ 0.50% · 4.625%
HK$28,190
+HK$1,617/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,146/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,818
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,564
−HK$757/mo
Today · 4.125%
HK$29,321
baseline
▲ 0.50% · 4.625%
HK$30,866
+HK$1,545/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,642/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,150
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,150
−HK$1,016/mo
Today · 4.125%
HK$34,166
baseline
▲ 0.50% · 4.625%
HK$36,244
+HK$2,078/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,332/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,766
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,725
−HK$973/mo
Today · 4.125%
HK$37,698
baseline
▲ 0.50% · 4.625%
HK$39,685
+HK$1,987/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,396/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,985 · 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).