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$17,988
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,548
−HK$568/mo
Today · 4.125%
HK$19,116
baseline
▲ 0.50% · 4.625%
HK$20,279
+HK$1,163/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,232/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,012
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,548
−HK$545/mo
Today · 4.125%
HK$21,093
baseline
▲ 0.50% · 4.625%
HK$22,205
+HK$1,112/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,186/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,586
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,257
−HK$682/mo
Today · 4.125%
HK$22,939
baseline
▲ 0.50% · 4.625%
HK$24,335
+HK$1,396/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$45,878/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,014
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,658
−HK$653/mo
Today · 4.125%
HK$25,311
baseline
▲ 0.50% · 4.625%
HK$26,646
+HK$1,335/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$50,622/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,184
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,967
−HK$796/mo
Today · 4.125%
HK$26,763
baseline
▲ 0.50% · 4.625%
HK$28,391
+HK$1,628/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,526/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,016
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,768
−HK$762/mo
Today · 4.125%
HK$29,530
baseline
▲ 0.50% · 4.625%
HK$31,087
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,060/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,379
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,386
−HK$1,023/mo
Today · 4.125%
HK$34,409
baseline
▲ 0.50% · 4.625%
HK$36,503
+HK$2,094/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,818/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,021
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,987
−HK$980/mo
Today · 4.125%
HK$37,967
baseline
▲ 0.50% · 4.625%
HK$39,968
+HK$2,001/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,934/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,661 · 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).