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$17,972
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,531
−HK$568/mo
Today · 4.125%
HK$19,099
baseline
▲ 0.50% · 4.625%
HK$20,261
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,198/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,994
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,530
−HK$544/mo
Today · 4.125%
HK$21,074
baseline
▲ 0.50% · 4.625%
HK$22,185
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,148/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,566
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,237
−HK$682/mo
Today · 4.125%
HK$22,919
baseline
▲ 0.50% · 4.625%
HK$24,313
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,838/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,992
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,636
−HK$653/mo
Today · 4.125%
HK$25,289
baseline
▲ 0.50% · 4.625%
HK$26,622
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,578/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,161
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,943
−HK$796/mo
Today · 4.125%
HK$26,739
baseline
▲ 0.50% · 4.625%
HK$28,366
+HK$1,627/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$53,478/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,991
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,742
−HK$761/mo
Today · 4.125%
HK$29,503
baseline
▲ 0.50% · 4.625%
HK$31,059
+HK$1,556/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$59,006/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,350
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,356
−HK$1,022/mo
Today · 4.125%
HK$34,378
baseline
▲ 0.50% · 4.625%
HK$36,470
+HK$2,092/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,756/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,989
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,954
−HK$979/mo
Today · 4.125%
HK$37,933
baseline
▲ 0.50% · 4.625%
HK$39,932
+HK$1,999/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,866/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,447 · 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).