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$18,004
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,564
−HK$569/mo
Today · 4.125%
HK$19,133
baseline
▲ 0.50% · 4.625%
HK$20,298
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,266/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,030
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,567
−HK$545/mo
Today · 4.125%
HK$21,112
baseline
▲ 0.50% · 4.625%
HK$22,225
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,224/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,605
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,277
−HK$683/mo
Today · 4.125%
HK$22,960
baseline
▲ 0.50% · 4.625%
HK$24,357
+HK$1,397/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,920/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,036
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,680
−HK$654/mo
Today · 4.125%
HK$25,334
baseline
▲ 0.50% · 4.625%
HK$26,670
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,668/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,206
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,990
−HK$797/mo
Today · 4.125%
HK$26,787
baseline
▲ 0.50% · 4.625%
HK$28,417
+HK$1,630/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,574/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,042
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,794
−HK$763/mo
Today · 4.125%
HK$29,557
baseline
▲ 0.50% · 4.625%
HK$31,115
+HK$1,558/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,114/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,408
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,416
−HK$1,024/mo
Today · 4.125%
HK$34,440
baseline
▲ 0.50% · 4.625%
HK$36,536
+HK$2,096/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,880/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,054
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,020
−HK$981/mo
Today · 4.125%
HK$38,001
baseline
▲ 0.50% · 4.625%
HK$40,005
+HK$2,004/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,002/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,874 · 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).