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$18,019
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,580
−HK$569/mo
Today · 4.125%
HK$19,149
baseline
▲ 0.50% · 4.625%
HK$20,314
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,298/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,046
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,584
−HK$545/mo
Today · 4.125%
HK$21,129
baseline
▲ 0.50% · 4.625%
HK$22,243
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,258/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,623
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,296
−HK$683/mo
Today · 4.125%
HK$22,979
baseline
▲ 0.50% · 4.625%
HK$24,377
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,958/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,055
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,700
−HK$655/mo
Today · 4.125%
HK$25,355
baseline
▲ 0.50% · 4.625%
HK$26,691
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,710/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,227
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,011
−HK$798/mo
Today · 4.125%
HK$26,809
baseline
▲ 0.50% · 4.625%
HK$28,440
+HK$1,631/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,618/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,065
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,817
−HK$764/mo
Today · 4.125%
HK$29,581
baseline
▲ 0.50% · 4.625%
HK$31,140
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,162/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,434
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,443
−HK$1,025/mo
Today · 4.125%
HK$34,468
baseline
▲ 0.50% · 4.625%
HK$36,566
+HK$2,098/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,936/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,083
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,051
−HK$981/mo
Today · 4.125%
HK$38,032
baseline
▲ 0.50% · 4.625%
HK$40,037
+HK$2,005/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,064/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,068 · 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).