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$17,957
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,515
−HK$568/mo
Today · 4.125%
HK$19,083
baseline
▲ 0.50% · 4.625%
HK$20,244
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,166/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,977
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,512
−HK$544/mo
Today · 4.125%
HK$21,056
baseline
▲ 0.50% · 4.625%
HK$22,166
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,112/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,548
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,218
−HK$681/mo
Today · 4.125%
HK$22,899
baseline
▲ 0.50% · 4.625%
HK$24,292
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,798/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,972
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,615
−HK$652/mo
Today · 4.125%
HK$25,267
baseline
▲ 0.50% · 4.625%
HK$26,599
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,534/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,139
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,921
−HK$795/mo
Today · 4.125%
HK$26,716
baseline
▲ 0.50% · 4.625%
HK$28,341
+HK$1,625/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,432/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,967
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,717
−HK$761/mo
Today · 4.125%
HK$29,478
baseline
▲ 0.50% · 4.625%
HK$31,032
+HK$1,554/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,956/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,322
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,327
−HK$1,022/mo
Today · 4.125%
HK$34,349
baseline
▲ 0.50% · 4.625%
HK$36,439
+HK$2,090/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$68,698/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,958
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,922
−HK$978/mo
Today · 4.125%
HK$37,900
baseline
▲ 0.50% · 4.625%
HK$39,898
+HK$1,998/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$75,800/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,245 · 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).