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$17,976
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,536
−HK$568/mo
Today · 4.125%
HK$19,104
baseline
▲ 0.50% · 4.625%
HK$20,266
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,208/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,999
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,535
−HK$544/mo
Today · 4.125%
HK$21,079
baseline
▲ 0.50% · 4.625%
HK$22,190
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,158/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,572
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,243
−HK$681/mo
Today · 4.125%
HK$22,924
baseline
▲ 0.50% · 4.625%
HK$24,319
+HK$1,395/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,848/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,998
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,642
−HK$653/mo
Today · 4.125%
HK$25,295
baseline
▲ 0.50% · 4.625%
HK$26,628
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,590/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,167
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,950
−HK$795/mo
Today · 4.125%
HK$26,745
baseline
▲ 0.50% · 4.625%
HK$28,372
+HK$1,627/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,490/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,998
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,749
−HK$762/mo
Today · 4.125%
HK$29,511
baseline
▲ 0.50% · 4.625%
HK$31,066
+HK$1,555/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,022/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,357
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,364
−HK$1,023/mo
Today · 4.125%
HK$34,387
baseline
▲ 0.50% · 4.625%
HK$36,479
+HK$2,092/mo
Deposit HK$788K · loan HK$7.10M · min. income ≈ HK$68,774/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,997
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,963
−HK$979/mo
Today · 4.125%
HK$37,942
baseline
▲ 0.50% · 4.625%
HK$39,942
+HK$2,000/mo
Deposit HK$788K · loan HK$7.10M · min. income ≈ HK$75,884/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,505 · 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).