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$18,026
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,587
−HK$569/mo
Today · 4.125%
HK$19,156
baseline
▲ 0.50% · 4.625%
HK$20,322
+HK$1,166/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,312/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,054
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,591
−HK$546/mo
Today · 4.125%
HK$21,137
baseline
▲ 0.50% · 4.625%
HK$22,251
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,274/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,631
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,304
−HK$683/mo
Today · 4.125%
HK$22,987
baseline
▲ 0.50% · 4.625%
HK$24,386
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,974/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,064
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,710
−HK$654/mo
Today · 4.125%
HK$25,364
baseline
▲ 0.50% · 4.625%
HK$26,701
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,728/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,236
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,021
−HK$798/mo
Today · 4.125%
HK$26,819
baseline
▲ 0.50% · 4.625%
HK$28,451
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,638/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,075
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,828
−HK$764/mo
Today · 4.125%
HK$29,592
baseline
▲ 0.50% · 4.625%
HK$31,152
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,184/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,446
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,456
−HK$1,025/mo
Today · 4.125%
HK$34,481
baseline
▲ 0.50% · 4.625%
HK$36,579
+HK$2,098/mo
Deposit HK$791K · loan HK$7.11M · min. income ≈ HK$68,962/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,096
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,064
−HK$983/mo
Today · 4.125%
HK$38,047
baseline
▲ 0.50% · 4.625%
HK$40,052
+HK$2,005/mo
Deposit HK$791K · loan HK$7.11M · min. income ≈ HK$76,094/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,156 · 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).