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$18,016
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,577
−HK$569/mo
Today · 4.125%
HK$19,146
baseline
▲ 0.50% · 4.625%
HK$20,311
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,292/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,043
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,580
−HK$546/mo
Today · 4.125%
HK$21,126
baseline
▲ 0.50% · 4.625%
HK$22,239
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,252/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,620
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,292
−HK$683/mo
Today · 4.125%
HK$22,975
baseline
▲ 0.50% · 4.625%
HK$24,373
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,950/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,051
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,697
−HK$654/mo
Today · 4.125%
HK$25,351
baseline
▲ 0.50% · 4.625%
HK$26,687
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,702/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,223
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$26,007
−HK$797/mo
Today · 4.125%
HK$26,804
baseline
▲ 0.50% · 4.625%
HK$28,435
+HK$1,631/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,608/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,060
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,813
−HK$763/mo
Today · 4.125%
HK$29,576
baseline
▲ 0.50% · 4.625%
HK$31,135
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,152/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,429
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,438
−HK$1,025/mo
Today · 4.125%
HK$34,463
baseline
▲ 0.50% · 4.625%
HK$36,560
+HK$2,097/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,926/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,077
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,045
−HK$981/mo
Today · 4.125%
HK$38,026
baseline
▲ 0.50% · 4.625%
HK$40,031
+HK$2,005/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,052/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,030 · 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).