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$18,015
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,575
−HK$569/mo
Today · 4.125%
HK$19,144
baseline
▲ 0.50% · 4.625%
HK$20,309
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,288/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,041
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,579
−HK$545/mo
Today · 4.125%
HK$21,124
baseline
▲ 0.50% · 4.625%
HK$22,238
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,248/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,618
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,290
−HK$683/mo
Today · 4.125%
HK$22,973
baseline
▲ 0.50% · 4.625%
HK$24,371
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,946/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,050
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,695
−HK$654/mo
Today · 4.125%
HK$25,349
baseline
▲ 0.50% · 4.625%
HK$26,685
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,698/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,221
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$26,005
−HK$797/mo
Today · 4.125%
HK$26,802
baseline
▲ 0.50% · 4.625%
HK$28,433
+HK$1,631/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,604/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,058
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,810
−HK$764/mo
Today · 4.125%
HK$29,574
baseline
▲ 0.50% · 4.625%
HK$31,133
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,148/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,427
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,435
−HK$1,025/mo
Today · 4.125%
HK$34,460
baseline
▲ 0.50% · 4.625%
HK$36,557
+HK$2,097/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,920/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,074
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,042
−HK$981/mo
Today · 4.125%
HK$38,023
baseline
▲ 0.50% · 4.625%
HK$40,028
+HK$2,005/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,046/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,011 · 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).