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$17,998
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,558
−HK$569/mo
Today · 4.125%
HK$19,127
baseline
▲ 0.50% · 4.625%
HK$20,290
+HK$1,163/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,254/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,023
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,560
−HK$544/mo
Today · 4.125%
HK$21,104
baseline
▲ 0.50% · 4.625%
HK$22,217
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,208/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,598
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,269
−HK$683/mo
Today · 4.125%
HK$22,952
baseline
▲ 0.50% · 4.625%
HK$24,348
+HK$1,396/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,904/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,027
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,671
−HK$654/mo
Today · 4.125%
HK$25,325
baseline
▲ 0.50% · 4.625%
HK$26,660
+HK$1,335/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,650/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,197
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,981
−HK$796/mo
Today · 4.125%
HK$26,777
baseline
▲ 0.50% · 4.625%
HK$28,407
+HK$1,630/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,554/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,032
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,783
−HK$763/mo
Today · 4.125%
HK$29,546
baseline
▲ 0.50% · 4.625%
HK$31,103
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,092/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,396
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,404
−HK$1,024/mo
Today · 4.125%
HK$34,428
baseline
▲ 0.50% · 4.625%
HK$36,523
+HK$2,095/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,856/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,041
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,007
−HK$981/mo
Today · 4.125%
HK$37,988
baseline
▲ 0.50% · 4.625%
HK$39,990
+HK$2,002/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,976/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,789 · 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).