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$18,011
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,571
−HK$570/mo
Today · 4.125%
HK$19,141
baseline
▲ 0.50% · 4.625%
HK$20,305
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,282/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,037
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,575
−HK$545/mo
Today · 4.125%
HK$21,120
baseline
▲ 0.50% · 4.625%
HK$22,233
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,240/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,613
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,286
−HK$683/mo
Today · 4.125%
HK$22,969
baseline
▲ 0.50% · 4.625%
HK$24,366
+HK$1,397/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,938/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,045
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,689
−HK$655/mo
Today · 4.125%
HK$25,344
baseline
▲ 0.50% · 4.625%
HK$26,680
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,688/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,216
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$26,000
−HK$797/mo
Today · 4.125%
HK$26,797
baseline
▲ 0.50% · 4.625%
HK$28,427
+HK$1,630/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,594/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,052
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,804
−HK$764/mo
Today · 4.125%
HK$29,568
baseline
▲ 0.50% · 4.625%
HK$31,126
+HK$1,558/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,136/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,420
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,428
−HK$1,025/mo
Today · 4.125%
HK$34,453
baseline
▲ 0.50% · 4.625%
HK$36,549
+HK$2,096/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,906/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,067
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,034
−HK$981/mo
Today · 4.125%
HK$38,015
baseline
▲ 0.50% · 4.625%
HK$40,019
+HK$2,004/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,030/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,962 · 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).