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$1,128/mo
▼ 0.25% · 3.875%
HK$18,545
−HK$568/mo
Today · 4.125%
HK$19,113
baseline
▲ 0.50% · 4.625%
HK$20,276
+HK$1,163/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,226/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,009
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,545
−HK$545/mo
Today · 4.125%
HK$21,090
baseline
▲ 0.50% · 4.625%
HK$22,201
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,180/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,583
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,254
−HK$682/mo
Today · 4.125%
HK$22,936
baseline
▲ 0.50% · 4.625%
HK$24,332
+HK$1,396/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,872/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,010
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,654
−HK$654/mo
Today · 4.125%
HK$25,308
baseline
▲ 0.50% · 4.625%
HK$26,642
+HK$1,334/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,616/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,180
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,963
−HK$796/mo
Today · 4.125%
HK$26,759
baseline
▲ 0.50% · 4.625%
HK$28,387
+HK$1,628/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,518/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,012
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,763
−HK$763/mo
Today · 4.125%
HK$29,526
baseline
▲ 0.50% · 4.625%
HK$31,082
+HK$1,556/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,052/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,374
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,381
−HK$1,023/mo
Today · 4.125%
HK$34,404
baseline
▲ 0.50% · 4.625%
HK$36,497
+HK$2,093/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,808/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,016
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,982
−HK$979/mo
Today · 4.125%
HK$37,961
baseline
▲ 0.50% · 4.625%
HK$39,962
+HK$2,001/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,922/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,625 · 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).