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$18,022
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,582
−HK$570/mo
Today · 4.125%
HK$19,152
baseline
▲ 0.50% · 4.625%
HK$20,317
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,304/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,049
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,587
−HK$545/mo
Today · 4.125%
HK$21,132
baseline
▲ 0.50% · 4.625%
HK$22,246
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,264/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,626
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,299
−HK$683/mo
Today · 4.125%
HK$22,982
baseline
▲ 0.50% · 4.625%
HK$24,380
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,964/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,059
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,704
−HK$654/mo
Today · 4.125%
HK$25,358
baseline
▲ 0.50% · 4.625%
HK$26,695
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,716/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,230
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,015
−HK$797/mo
Today · 4.125%
HK$26,812
baseline
▲ 0.50% · 4.625%
HK$28,444
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,624/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,068
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,821
−HK$764/mo
Today · 4.125%
HK$29,585
baseline
▲ 0.50% · 4.625%
HK$31,144
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,170/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,439
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,448
−HK$1,025/mo
Today · 4.125%
HK$34,473
baseline
▲ 0.50% · 4.625%
HK$36,571
+HK$2,098/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,946/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,088
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,056
−HK$982/mo
Today · 4.125%
HK$38,038
baseline
▲ 0.50% · 4.625%
HK$40,043
+HK$2,005/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,076/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,100 · 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).