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$17,985
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,544
−HK$568/mo
Today · 4.125%
HK$19,112
baseline
▲ 0.50% · 4.625%
HK$20,275
+HK$1,163/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,224/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,008
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,544
−HK$545/mo
Today · 4.125%
HK$21,089
baseline
▲ 0.50% · 4.625%
HK$22,200
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,178/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,582
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,253
−HK$682/mo
Today · 4.125%
HK$22,935
baseline
▲ 0.50% · 4.625%
HK$24,330
+HK$1,395/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,870/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,009
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,653
−HK$653/mo
Today · 4.125%
HK$25,306
baseline
▲ 0.50% · 4.625%
HK$26,640
+HK$1,334/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,612/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,178
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,962
−HK$795/mo
Today · 4.125%
HK$26,757
baseline
▲ 0.50% · 4.625%
HK$28,386
+HK$1,629/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,514/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,011
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,762
−HK$762/mo
Today · 4.125%
HK$29,524
baseline
▲ 0.50% · 4.625%
HK$31,080
+HK$1,556/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,048/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,372
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,379
−HK$1,023/mo
Today · 4.125%
HK$34,402
baseline
▲ 0.50% · 4.625%
HK$36,496
+HK$2,094/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,804/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,014
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,980
−HK$980/mo
Today · 4.125%
HK$37,960
baseline
▲ 0.50% · 4.625%
HK$39,961
+HK$2,001/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,920/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,614 · 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).