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$17,880
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,436
−HK$565/mo
Today · 4.125%
HK$19,001
baseline
▲ 0.50% · 4.625%
HK$20,157
+HK$1,156/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,002/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,891
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,425
−HK$541/mo
Today · 4.125%
HK$20,966
baseline
▲ 0.50% · 4.625%
HK$22,071
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,932/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,456
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,123
−HK$678/mo
Today · 4.125%
HK$22,801
baseline
▲ 0.50% · 4.625%
HK$24,189
+HK$1,388/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$45,602/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,869
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,510
−HK$649/mo
Today · 4.125%
HK$25,159
baseline
▲ 0.50% · 4.625%
HK$26,485
+HK$1,326/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$50,318/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,032
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,810
−HK$792/mo
Today · 4.125%
HK$26,602
baseline
▲ 0.50% · 4.625%
HK$28,220
+HK$1,618/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,204/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,848
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,594
−HK$758/mo
Today · 4.125%
HK$29,352
baseline
▲ 0.50% · 4.625%
HK$30,899
+HK$1,547/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,704/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,184
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,185
−HK$1,017/mo
Today · 4.125%
HK$34,202
baseline
▲ 0.50% · 4.625%
HK$36,283
+HK$2,081/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$68,404/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,804
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,764
−HK$974/mo
Today · 4.125%
HK$37,738
baseline
▲ 0.50% · 4.625%
HK$39,728
+HK$1,990/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$75,476/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,235 · 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).