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$20,297
+HK$1,164/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$236,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,029
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,566
−HK$545/mo
Today · 4.125%
HK$21,111
baseline
▲ 0.50% · 4.625%
HK$22,224
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,222/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,604
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,276
−HK$683/mo
Today · 4.125%
HK$22,959
baseline
▲ 0.50% · 4.625%
HK$24,356
+HK$1,397/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,918/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,035
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,679
−HK$654/mo
Today · 4.125%
HK$25,333
baseline
▲ 0.50% · 4.625%
HK$26,668
+HK$1,335/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,666/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,205
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,989
−HK$797/mo
Today · 4.125%
HK$26,786
baseline
▲ 0.50% · 4.625%
HK$28,415
+HK$1,629/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,572/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,040
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,792
−HK$763/mo
Today · 4.125%
HK$29,555
baseline
▲ 0.50% · 4.625%
HK$31,113
+HK$1,558/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,110/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,407
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,415
−HK$1,024/mo
Today · 4.125%
HK$34,439
baseline
▲ 0.50% · 4.625%
HK$36,534
+HK$2,095/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,878/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,052
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,019
−HK$981/mo
Today · 4.125%
HK$38,000
baseline
▲ 0.50% · 4.625%
HK$40,003
+HK$2,003/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,000/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,864 · 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).