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$17,935
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,493
−HK$567/mo
Today · 4.125%
HK$19,060
baseline
▲ 0.50% · 4.625%
HK$20,220
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,120/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,953
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,488
−HK$543/mo
Today · 4.125%
HK$21,031
baseline
▲ 0.50% · 4.625%
HK$22,139
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,062/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,522
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,192
−HK$680/mo
Today · 4.125%
HK$22,872
baseline
▲ 0.50% · 4.625%
HK$24,264
+HK$1,392/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,744/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,943
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,586
−HK$651/mo
Today · 4.125%
HK$25,237
baseline
▲ 0.50% · 4.625%
HK$26,567
+HK$1,330/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,474/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,109
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,890
−HK$794/mo
Today · 4.125%
HK$26,684
baseline
▲ 0.50% · 4.625%
HK$28,308
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,368/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,934
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,683
−HK$760/mo
Today · 4.125%
HK$29,443
baseline
▲ 0.50% · 4.625%
HK$30,995
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,886/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,284
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,288
−HK$1,020/mo
Today · 4.125%
HK$34,308
baseline
▲ 0.50% · 4.625%
HK$36,396
+HK$2,088/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,616/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,915
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,878
−HK$977/mo
Today · 4.125%
HK$37,855
baseline
▲ 0.50% · 4.625%
HK$39,851
+HK$1,996/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,710/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,965 · 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).