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$1,121/mo
▼ 0.25% · 3.875%
HK$18,440
−HK$565/mo
Today · 4.125%
HK$19,005
baseline
▲ 0.50% · 4.625%
HK$20,162
+HK$1,157/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,010/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,895
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,429
−HK$541/mo
Today · 4.125%
HK$20,970
baseline
▲ 0.50% · 4.625%
HK$22,076
+HK$1,106/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,940/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,460
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,128
−HK$678/mo
Today · 4.125%
HK$22,806
baseline
▲ 0.50% · 4.625%
HK$24,194
+HK$1,388/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,612/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,875
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,515
−HK$649/mo
Today · 4.125%
HK$25,164
baseline
▲ 0.50% · 4.625%
HK$26,491
+HK$1,327/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,328/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,037
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,816
−HK$791/mo
Today · 4.125%
HK$26,607
baseline
▲ 0.50% · 4.625%
HK$28,226
+HK$1,619/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,214/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,854
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,601
−HK$757/mo
Today · 4.125%
HK$29,358
baseline
▲ 0.50% · 4.625%
HK$30,906
+HK$1,548/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,716/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,191
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,192
−HK$1,017/mo
Today · 4.125%
HK$34,209
baseline
▲ 0.50% · 4.625%
HK$36,291
+HK$2,082/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$68,418/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,812
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,772
−HK$975/mo
Today · 4.125%
HK$37,747
baseline
▲ 0.50% · 4.625%
HK$39,736
+HK$1,989/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$75,494/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,286 · 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).