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$17,991
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,550
−HK$569/mo
Today · 4.125%
HK$19,119
baseline
▲ 0.50% · 4.625%
HK$20,282
+HK$1,163/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,238/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,014
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,551
−HK$545/mo
Today · 4.125%
HK$21,096
baseline
▲ 0.50% · 4.625%
HK$22,208
+HK$1,112/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,192/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,589
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,260
−HK$682/mo
Today · 4.125%
HK$22,942
baseline
▲ 0.50% · 4.625%
HK$24,338
+HK$1,396/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$45,884/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,017
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,661
−HK$654/mo
Today · 4.125%
HK$25,315
baseline
▲ 0.50% · 4.625%
HK$26,649
+HK$1,334/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$50,630/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,187
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,970
−HK$796/mo
Today · 4.125%
HK$26,766
baseline
▲ 0.50% · 4.625%
HK$28,395
+HK$1,629/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,532/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,020
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,772
−HK$762/mo
Today · 4.125%
HK$29,534
baseline
▲ 0.50% · 4.625%
HK$31,091
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,068/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,383
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,390
−HK$1,024/mo
Today · 4.125%
HK$34,414
baseline
▲ 0.50% · 4.625%
HK$36,508
+HK$2,094/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,828/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,026
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,992
−HK$980/mo
Today · 4.125%
HK$37,972
baseline
▲ 0.50% · 4.625%
HK$39,974
+HK$2,002/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,944/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,692 · 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).