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$17,950
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,508
−HK$567/mo
Today · 4.125%
HK$19,075
baseline
▲ 0.50% · 4.625%
HK$20,236
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,150/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,969
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,504
−HK$544/mo
Today · 4.125%
HK$21,048
baseline
▲ 0.50% · 4.625%
HK$22,157
+HK$1,109/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,096/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,540
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,210
−HK$680/mo
Today · 4.125%
HK$22,890
baseline
▲ 0.50% · 4.625%
HK$24,283
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,780/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,963
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,605
−HK$652/mo
Today · 4.125%
HK$25,257
baseline
▲ 0.50% · 4.625%
HK$26,589
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,514/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,130
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,911
−HK$794/mo
Today · 4.125%
HK$26,705
baseline
▲ 0.50% · 4.625%
HK$28,330
+HK$1,625/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,410/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,956
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,706
−HK$761/mo
Today · 4.125%
HK$29,467
baseline
▲ 0.50% · 4.625%
HK$31,020
+HK$1,553/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,934/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,309
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,314
−HK$1,021/mo
Today · 4.125%
HK$34,335
baseline
▲ 0.50% · 4.625%
HK$36,425
+HK$2,090/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,670/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,944
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,908
−HK$978/mo
Today · 4.125%
HK$37,886
baseline
▲ 0.50% · 4.625%
HK$39,883
+HK$1,997/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,772/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,154 · 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).