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$1,125/mo
▼ 0.25% · 3.875%
HK$18,512
−HK$567/mo
Today · 4.125%
HK$19,079
baseline
▲ 0.50% · 4.625%
HK$20,240
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,158/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,973
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,509
−HK$543/mo
Today · 4.125%
HK$21,052
baseline
▲ 0.50% · 4.625%
HK$22,162
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,104/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,544
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,214
−HK$681/mo
Today · 4.125%
HK$22,895
baseline
▲ 0.50% · 4.625%
HK$24,288
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,790/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,968
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,611
−HK$652/mo
Today · 4.125%
HK$25,263
baseline
▲ 0.50% · 4.625%
HK$26,594
+HK$1,331/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,526/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,135
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,917
−HK$794/mo
Today · 4.125%
HK$26,711
baseline
▲ 0.50% · 4.625%
HK$28,337
+HK$1,626/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,422/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,962
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,712
−HK$761/mo
Today · 4.125%
HK$29,473
baseline
▲ 0.50% · 4.625%
HK$31,027
+HK$1,554/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,946/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,316
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,322
−HK$1,021/mo
Today · 4.125%
HK$34,343
baseline
▲ 0.50% · 4.625%
HK$36,433
+HK$2,090/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$68,686/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,952
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,916
−HK$978/mo
Today · 4.125%
HK$37,894
baseline
▲ 0.50% · 4.625%
HK$39,892
+HK$1,998/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$75,788/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,205 · 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).