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$17,973
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,532
−HK$568/mo
Today · 4.125%
HK$19,100
baseline
▲ 0.50% · 4.625%
HK$20,263
+HK$1,163/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,200/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,995
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,531
−HK$544/mo
Today · 4.125%
HK$21,075
baseline
▲ 0.50% · 4.625%
HK$22,186
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,150/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,568
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,239
−HK$681/mo
Today · 4.125%
HK$22,920
baseline
▲ 0.50% · 4.625%
HK$24,315
+HK$1,395/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,840/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,994
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,638
−HK$652/mo
Today · 4.125%
HK$25,290
baseline
▲ 0.50% · 4.625%
HK$26,624
+HK$1,334/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,580/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,163
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,945
−HK$795/mo
Today · 4.125%
HK$26,740
baseline
▲ 0.50% · 4.625%
HK$28,368
+HK$1,628/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$53,480/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,993
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,744
−HK$761/mo
Today · 4.125%
HK$29,505
baseline
▲ 0.50% · 4.625%
HK$31,061
+HK$1,556/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$59,010/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,352
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,358
−HK$1,023/mo
Today · 4.125%
HK$34,381
baseline
▲ 0.50% · 4.625%
HK$36,473
+HK$2,092/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,762/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,991
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,956
−HK$980/mo
Today · 4.125%
HK$37,936
baseline
▲ 0.50% · 4.625%
HK$39,935
+HK$1,999/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,872/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,464 · 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).