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$17,950
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,509
−HK$567/mo
Today · 4.125%
HK$19,076
baseline
▲ 0.50% · 4.625%
HK$20,237
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,152/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,969
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,505
−HK$543/mo
Today · 4.125%
HK$21,048
baseline
▲ 0.50% · 4.625%
HK$22,158
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,096/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,540
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,210
−HK$681/mo
Today · 4.125%
HK$22,891
baseline
▲ 0.50% · 4.625%
HK$24,284
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,782/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,963
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,606
−HK$652/mo
Today · 4.125%
HK$25,258
baseline
▲ 0.50% · 4.625%
HK$26,589
+HK$1,331/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,516/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,130
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,912
−HK$794/mo
Today · 4.125%
HK$26,706
baseline
▲ 0.50% · 4.625%
HK$28,331
+HK$1,625/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,412/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,957
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,707
−HK$761/mo
Today · 4.125%
HK$29,468
baseline
▲ 0.50% · 4.625%
HK$31,021
+HK$1,553/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,936/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,310
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,316
−HK$1,021/mo
Today · 4.125%
HK$34,337
baseline
▲ 0.50% · 4.625%
HK$36,426
+HK$2,089/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,674/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,945
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,909
−HK$978/mo
Today · 4.125%
HK$37,887
baseline
▲ 0.50% · 4.625%
HK$39,884
+HK$1,997/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,774/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,162 · 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).