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$17,980
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,539
−HK$569/mo
Today · 4.125%
HK$19,108
baseline
▲ 0.50% · 4.625%
HK$20,270
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,216/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,003
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,539
−HK$544/mo
Today · 4.125%
HK$21,083
baseline
▲ 0.50% · 4.625%
HK$22,195
+HK$1,112/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,166/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,576
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,247
−HK$682/mo
Today · 4.125%
HK$22,929
baseline
▲ 0.50% · 4.625%
HK$24,324
+HK$1,395/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,858/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,003
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,647
−HK$653/mo
Today · 4.125%
HK$25,300
baseline
▲ 0.50% · 4.625%
HK$26,634
+HK$1,334/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,600/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,172
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,955
−HK$796/mo
Today · 4.125%
HK$26,751
baseline
▲ 0.50% · 4.625%
HK$28,378
+HK$1,627/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,502/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,004
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,755
−HK$762/mo
Today · 4.125%
HK$29,517
baseline
▲ 0.50% · 4.625%
HK$31,072
+HK$1,555/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,034/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,364
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,371
−HK$1,023/mo
Today · 4.125%
HK$34,394
baseline
▲ 0.50% · 4.625%
HK$36,486
+HK$2,092/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,788/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,005
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,970
−HK$980/mo
Today · 4.125%
HK$37,950
baseline
▲ 0.50% · 4.625%
HK$39,950
+HK$2,000/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,900/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,553 · 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).