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$1,129/mo
▼ 0.25% · 3.875%
HK$18,574
−HK$569/mo
Today · 4.125%
HK$19,143
baseline
▲ 0.50% · 4.625%
HK$20,308
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,286/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,040
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,578
−HK$545/mo
Today · 4.125%
HK$21,123
baseline
▲ 0.50% · 4.625%
HK$22,236
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,246/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,617
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,289
−HK$683/mo
Today · 4.125%
HK$22,972
baseline
▲ 0.50% · 4.625%
HK$24,370
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,944/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,048
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,693
−HK$654/mo
Today · 4.125%
HK$25,347
baseline
▲ 0.50% · 4.625%
HK$26,683
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,694/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,219
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,004
−HK$797/mo
Today · 4.125%
HK$26,801
baseline
▲ 0.50% · 4.625%
HK$28,431
+HK$1,630/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,602/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,056
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,809
−HK$763/mo
Today · 4.125%
HK$29,572
baseline
▲ 0.50% · 4.625%
HK$31,131
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,144/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,425
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,433
−HK$1,025/mo
Today · 4.125%
HK$34,458
baseline
▲ 0.50% · 4.625%
HK$36,555
+HK$2,097/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,916/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,072
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,040
−HK$981/mo
Today · 4.125%
HK$38,021
baseline
▲ 0.50% · 4.625%
HK$40,025
+HK$2,004/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,042/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,997 · 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).