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$17,952
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,510
−HK$568/mo
Today · 4.125%
HK$19,078
baseline
▲ 0.50% · 4.625%
HK$20,239
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,156/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,971
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,507
−HK$543/mo
Today · 4.125%
HK$21,050
baseline
▲ 0.50% · 4.625%
HK$22,160
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,100/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,542
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,212
−HK$681/mo
Today · 4.125%
HK$22,893
baseline
▲ 0.50% · 4.625%
HK$24,286
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,786/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,966
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,608
−HK$652/mo
Today · 4.125%
HK$25,260
baseline
▲ 0.50% · 4.625%
HK$26,592
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,520/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,133
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,915
−HK$794/mo
Today · 4.125%
HK$26,709
baseline
▲ 0.50% · 4.625%
HK$28,334
+HK$1,625/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,418/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,960
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,710
−HK$761/mo
Today · 4.125%
HK$29,471
baseline
▲ 0.50% · 4.625%
HK$31,024
+HK$1,553/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,942/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,314
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,319
−HK$1,021/mo
Today · 4.125%
HK$34,340
baseline
▲ 0.50% · 4.625%
HK$36,429
+HK$2,089/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$68,680/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,949
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,913
−HK$978/mo
Today · 4.125%
HK$37,891
baseline
▲ 0.50% · 4.625%
HK$39,888
+HK$1,997/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$75,782/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,184 · 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).