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$17,994
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,553
−HK$569/mo
Today · 4.125%
HK$19,122
baseline
▲ 0.50% · 4.625%
HK$20,286
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,244/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,018
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,555
−HK$544/mo
Today · 4.125%
HK$21,099
baseline
▲ 0.50% · 4.625%
HK$22,211
+HK$1,112/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,198/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,592
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,264
−HK$682/mo
Today · 4.125%
HK$22,946
baseline
▲ 0.50% · 4.625%
HK$24,343
+HK$1,397/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$45,892/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,021
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,666
−HK$653/mo
Today · 4.125%
HK$25,319
baseline
▲ 0.50% · 4.625%
HK$26,654
+HK$1,335/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$50,638/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,191
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,975
−HK$796/mo
Today · 4.125%
HK$26,771
baseline
▲ 0.50% · 4.625%
HK$28,400
+HK$1,629/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,542/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,025
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,776
−HK$763/mo
Today · 4.125%
HK$29,539
baseline
▲ 0.50% · 4.625%
HK$31,096
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,078/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,389
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,396
−HK$1,024/mo
Today · 4.125%
HK$34,420
baseline
▲ 0.50% · 4.625%
HK$36,514
+HK$2,094/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,840/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,032
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$36,998
−HK$981/mo
Today · 4.125%
HK$37,979
baseline
▲ 0.50% · 4.625%
HK$39,981
+HK$2,002/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,958/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,733 · 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).