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$18,020
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,581
−HK$569/mo
Today · 4.125%
HK$19,150
baseline
▲ 0.50% · 4.625%
HK$20,315
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,300/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,047
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,585
−HK$545/mo
Today · 4.125%
HK$21,130
baseline
▲ 0.50% · 4.625%
HK$22,244
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,260/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,624
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,297
−HK$683/mo
Today · 4.125%
HK$22,980
baseline
▲ 0.50% · 4.625%
HK$24,378
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,960/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,056
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,702
−HK$654/mo
Today · 4.125%
HK$25,356
baseline
▲ 0.50% · 4.625%
HK$26,693
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,712/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,228
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,013
−HK$797/mo
Today · 4.125%
HK$26,810
baseline
▲ 0.50% · 4.625%
HK$28,441
+HK$1,631/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,620/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,066
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,819
−HK$763/mo
Today · 4.125%
HK$29,582
baseline
▲ 0.50% · 4.625%
HK$31,142
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,164/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,436
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,445
−HK$1,025/mo
Today · 4.125%
HK$34,470
baseline
▲ 0.50% · 4.625%
HK$36,567
+HK$2,097/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,940/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,085
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,053
−HK$981/mo
Today · 4.125%
HK$38,034
baseline
▲ 0.50% · 4.625%
HK$40,039
+HK$2,005/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,068/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,079 · 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).