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$17,954
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,513
−HK$567/mo
Today · 4.125%
HK$19,080
baseline
▲ 0.50% · 4.625%
HK$20,241
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,160/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,974
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,510
−HK$543/mo
Today · 4.125%
HK$21,053
baseline
▲ 0.50% · 4.625%
HK$22,163
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,106/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,545
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,216
−HK$680/mo
Today · 4.125%
HK$22,896
baseline
▲ 0.50% · 4.625%
HK$24,290
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,792/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,969
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,612
−HK$652/mo
Today · 4.125%
HK$25,264
baseline
▲ 0.50% · 4.625%
HK$26,596
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,528/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,136
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,918
−HK$795/mo
Today · 4.125%
HK$26,713
baseline
▲ 0.50% · 4.625%
HK$28,338
+HK$1,625/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,426/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,964
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,714
−HK$761/mo
Today · 4.125%
HK$29,475
baseline
▲ 0.50% · 4.625%
HK$31,028
+HK$1,553/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,950/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,318
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,323
−HK$1,022/mo
Today · 4.125%
HK$34,345
baseline
▲ 0.50% · 4.625%
HK$36,434
+HK$2,089/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$68,690/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,954
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,918
−HK$978/mo
Today · 4.125%
HK$37,896
baseline
▲ 0.50% · 4.625%
HK$39,894
+HK$1,998/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$75,792/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,217 · 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).