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$17,996
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,556
−HK$568/mo
Today · 4.125%
HK$19,124
baseline
▲ 0.50% · 4.625%
HK$20,288
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,248/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,020
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,557
−HK$545/mo
Today · 4.125%
HK$21,102
baseline
▲ 0.50% · 4.625%
HK$22,214
+HK$1,112/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,204/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,595
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,267
−HK$682/mo
Today · 4.125%
HK$22,949
baseline
▲ 0.50% · 4.625%
HK$24,346
+HK$1,397/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,898/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,024
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,669
−HK$653/mo
Today · 4.125%
HK$25,322
baseline
▲ 0.50% · 4.625%
HK$26,657
+HK$1,335/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,644/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,194
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,978
−HK$796/mo
Today · 4.125%
HK$26,774
baseline
▲ 0.50% · 4.625%
HK$28,403
+HK$1,629/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,548/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,028
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,780
−HK$763/mo
Today · 4.125%
HK$29,543
baseline
▲ 0.50% · 4.625%
HK$31,100
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,086/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,393
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,400
−HK$1,024/mo
Today · 4.125%
HK$34,424
baseline
▲ 0.50% · 4.625%
HK$36,519
+HK$2,095/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,848/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,037
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,003
−HK$981/mo
Today · 4.125%
HK$37,984
baseline
▲ 0.50% · 4.625%
HK$39,986
+HK$2,002/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,968/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,763 · 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).