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$17,987
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,547
−HK$568/mo
Today · 4.125%
HK$19,115
baseline
▲ 0.50% · 4.625%
HK$20,278
+HK$1,163/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,230/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,011
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,547
−HK$545/mo
Today · 4.125%
HK$21,092
baseline
▲ 0.50% · 4.625%
HK$22,203
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,184/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,585
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,256
−HK$682/mo
Today · 4.125%
HK$22,938
baseline
▲ 0.50% · 4.625%
HK$24,334
+HK$1,396/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$45,876/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,013
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,657
−HK$653/mo
Today · 4.125%
HK$25,310
baseline
▲ 0.50% · 4.625%
HK$26,644
+HK$1,334/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$50,620/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,182
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,965
−HK$796/mo
Today · 4.125%
HK$26,761
baseline
▲ 0.50% · 4.625%
HK$28,390
+HK$1,629/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,522/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,015
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,766
−HK$762/mo
Today · 4.125%
HK$29,528
baseline
▲ 0.50% · 4.625%
HK$31,085
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,056/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,377
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,384
−HK$1,023/mo
Today · 4.125%
HK$34,407
baseline
▲ 0.50% · 4.625%
HK$36,501
+HK$2,094/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,814/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,019
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,985
−HK$980/mo
Today · 4.125%
HK$37,965
baseline
▲ 0.50% · 4.625%
HK$39,966
+HK$2,001/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,930/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,647 · 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).