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$17,934
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,492
−HK$567/mo
Today · 4.125%
HK$19,059
baseline
▲ 0.50% · 4.625%
HK$20,219
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,118/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,952
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,487
−HK$543/mo
Today · 4.125%
HK$21,030
baseline
▲ 0.50% · 4.625%
HK$22,138
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,060/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,521
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,191
−HK$680/mo
Today · 4.125%
HK$22,871
baseline
▲ 0.50% · 4.625%
HK$24,262
+HK$1,391/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,742/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,942
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,584
−HK$652/mo
Today · 4.125%
HK$25,236
baseline
▲ 0.50% · 4.625%
HK$26,566
+HK$1,330/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,472/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,108
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,889
−HK$794/mo
Today · 4.125%
HK$26,683
baseline
▲ 0.50% · 4.625%
HK$28,306
+HK$1,623/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,366/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,933
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,682
−HK$760/mo
Today · 4.125%
HK$29,442
baseline
▲ 0.50% · 4.625%
HK$30,994
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,884/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,282
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,286
−HK$1,020/mo
Today · 4.125%
HK$34,306
baseline
▲ 0.50% · 4.625%
HK$36,394
+HK$2,088/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,612/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,913
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,876
−HK$978/mo
Today · 4.125%
HK$37,854
baseline
▲ 0.50% · 4.625%
HK$39,849
+HK$1,995/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,708/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,953 · 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).