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$17,988
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,548
−HK$568/mo
Today · 4.125%
HK$19,116
baseline
▲ 0.50% · 4.625%
HK$20,280
+HK$1,164/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,232/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,012
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,549
−HK$544/mo
Today · 4.125%
HK$21,093
baseline
▲ 0.50% · 4.625%
HK$22,205
+HK$1,112/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,186/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,586
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,258
−HK$682/mo
Today · 4.125%
HK$22,940
baseline
▲ 0.50% · 4.625%
HK$24,336
+HK$1,396/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$45,880/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,014
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,658
−HK$654/mo
Today · 4.125%
HK$25,312
baseline
▲ 0.50% · 4.625%
HK$26,646
+HK$1,334/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$50,624/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,184
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,967
−HK$796/mo
Today · 4.125%
HK$26,763
baseline
▲ 0.50% · 4.625%
HK$28,391
+HK$1,628/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,526/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,017
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,768
−HK$762/mo
Today · 4.125%
HK$29,530
baseline
▲ 0.50% · 4.625%
HK$31,087
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,060/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,379
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,386
−HK$1,024/mo
Today · 4.125%
HK$34,410
baseline
▲ 0.50% · 4.625%
HK$36,503
+HK$2,093/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,820/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,021
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$36,988
−HK$980/mo
Today · 4.125%
HK$37,968
baseline
▲ 0.50% · 4.625%
HK$39,969
+HK$2,001/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,936/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,664 · 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).