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$17,956
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,514
−HK$568/mo
Today · 4.125%
HK$19,082
baseline
▲ 0.50% · 4.625%
HK$20,243
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,164/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,976
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,511
−HK$544/mo
Today · 4.125%
HK$21,055
baseline
▲ 0.50% · 4.625%
HK$22,165
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,110/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,547
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,217
−HK$681/mo
Today · 4.125%
HK$22,898
baseline
▲ 0.50% · 4.625%
HK$24,291
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,796/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,971
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,614
−HK$652/mo
Today · 4.125%
HK$25,266
baseline
▲ 0.50% · 4.625%
HK$26,598
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,532/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,138
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,920
−HK$794/mo
Today · 4.125%
HK$26,714
baseline
▲ 0.50% · 4.625%
HK$28,340
+HK$1,626/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,428/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,966
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,716
−HK$761/mo
Today · 4.125%
HK$29,477
baseline
▲ 0.50% · 4.625%
HK$31,031
+HK$1,554/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,954/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,320
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,326
−HK$1,021/mo
Today · 4.125%
HK$34,347
baseline
▲ 0.50% · 4.625%
HK$36,437
+HK$2,090/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$68,694/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,956
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,920
−HK$979/mo
Today · 4.125%
HK$37,899
baseline
▲ 0.50% · 4.625%
HK$39,896
+HK$1,997/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$75,798/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,234 · 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).