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$18,021
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,581
−HK$570/mo
Today · 4.125%
HK$19,151
baseline
▲ 0.50% · 4.625%
HK$20,316
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,302/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,048
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,586
−HK$545/mo
Today · 4.125%
HK$21,131
baseline
▲ 0.50% · 4.625%
HK$22,245
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,262/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,625
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,298
−HK$683/mo
Today · 4.125%
HK$22,981
baseline
▲ 0.50% · 4.625%
HK$24,380
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,962/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,058
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,703
−HK$654/mo
Today · 4.125%
HK$25,357
baseline
▲ 0.50% · 4.625%
HK$26,694
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,714/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,229
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,014
−HK$797/mo
Today · 4.125%
HK$26,811
baseline
▲ 0.50% · 4.625%
HK$28,443
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,622/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,067
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,820
−HK$764/mo
Today · 4.125%
HK$29,584
baseline
▲ 0.50% · 4.625%
HK$31,143
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,168/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,438
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,447
−HK$1,025/mo
Today · 4.125%
HK$34,472
baseline
▲ 0.50% · 4.625%
HK$36,569
+HK$2,097/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,944/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,087
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,054
−HK$982/mo
Today · 4.125%
HK$38,036
baseline
▲ 0.50% · 4.625%
HK$40,041
+HK$2,005/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,072/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,091 · 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).