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$17,961
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,519
−HK$568/mo
Today · 4.125%
HK$19,087
baseline
▲ 0.50% · 4.625%
HK$20,248
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,174/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,981
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,517
−HK$544/mo
Today · 4.125%
HK$21,061
baseline
▲ 0.50% · 4.625%
HK$22,171
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,122/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,553
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,223
−HK$681/mo
Today · 4.125%
HK$22,904
baseline
▲ 0.50% · 4.625%
HK$24,298
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,808/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,977
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,620
−HK$653/mo
Today · 4.125%
HK$25,273
baseline
▲ 0.50% · 4.625%
HK$26,605
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,546/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,145
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,927
−HK$795/mo
Today · 4.125%
HK$26,722
baseline
▲ 0.50% · 4.625%
HK$28,348
+HK$1,626/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,444/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,973
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,724
−HK$761/mo
Today · 4.125%
HK$29,485
baseline
▲ 0.50% · 4.625%
HK$31,039
+HK$1,554/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,970/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,329
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,335
−HK$1,021/mo
Today · 4.125%
HK$34,356
baseline
▲ 0.50% · 4.625%
HK$36,447
+HK$2,091/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,712/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,966
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,930
−HK$979/mo
Today · 4.125%
HK$37,909
baseline
▲ 0.50% · 4.625%
HK$39,907
+HK$1,998/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,818/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,298 · 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).