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$17,943
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,501
−HK$567/mo
Today · 4.125%
HK$19,068
baseline
▲ 0.50% · 4.625%
HK$20,228
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,136/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,961
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,497
−HK$543/mo
Today · 4.125%
HK$21,040
baseline
▲ 0.50% · 4.625%
HK$22,149
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,080/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,531
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,201
−HK$681/mo
Today · 4.125%
HK$22,882
baseline
▲ 0.50% · 4.625%
HK$24,274
+HK$1,392/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,764/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,954
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,596
−HK$652/mo
Today · 4.125%
HK$25,248
baseline
▲ 0.50% · 4.625%
HK$26,578
+HK$1,330/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,496/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,120
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,901
−HK$794/mo
Today · 4.125%
HK$26,695
baseline
▲ 0.50% · 4.625%
HK$28,320
+HK$1,625/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,390/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,946
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,695
−HK$761/mo
Today · 4.125%
HK$29,456
baseline
▲ 0.50% · 4.625%
HK$31,008
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,912/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,297
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,302
−HK$1,020/mo
Today · 4.125%
HK$34,322
baseline
▲ 0.50% · 4.625%
HK$36,411
+HK$2,089/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,644/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,930
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,894
−HK$977/mo
Today · 4.125%
HK$37,871
baseline
▲ 0.50% · 4.625%
HK$39,868
+HK$1,997/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,742/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,064 · 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).