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$18,014
−HK$1,130/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$237,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,041
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,578
−HK$546/mo
Today · 4.125%
HK$21,124
baseline
▲ 0.50% · 4.625%
HK$22,237
+HK$1,113/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$237,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,617
−HK$1,356/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$237,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,049
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,694
−HK$654/mo
Today · 4.125%
HK$25,348
baseline
▲ 0.50% · 4.625%
HK$26,685
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,696/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,220
−HK$1,582/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$237,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,057
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,810
−HK$763/mo
Today · 4.125%
HK$29,573
baseline
▲ 0.50% · 4.625%
HK$31,132
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,146/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,426
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,435
−HK$1,024/mo
Today · 4.125%
HK$34,459
baseline
▲ 0.50% · 4.625%
HK$36,556
+HK$2,097/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,918/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,074
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,041
−HK$982/mo
Today · 4.125%
HK$38,023
baseline
▲ 0.50% · 4.625%
HK$40,027
+HK$2,004/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$237,006 · 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).