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$17,962
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,520
−HK$568/mo
Today · 4.125%
HK$19,088
baseline
▲ 0.50% · 4.625%
HK$20,249
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,176/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,982
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,518
−HK$544/mo
Today · 4.125%
HK$21,062
baseline
▲ 0.50% · 4.625%
HK$22,172
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,124/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,554
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,224
−HK$682/mo
Today · 4.125%
HK$22,906
baseline
▲ 0.50% · 4.625%
HK$24,299
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,812/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,979
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,622
−HK$652/mo
Today · 4.125%
HK$25,274
baseline
▲ 0.50% · 4.625%
HK$26,606
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,548/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,146
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,928
−HK$795/mo
Today · 4.125%
HK$26,723
baseline
▲ 0.50% · 4.625%
HK$28,349
+HK$1,626/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,446/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,975
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,725
−HK$761/mo
Today · 4.125%
HK$29,486
baseline
▲ 0.50% · 4.625%
HK$31,041
+HK$1,555/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,972/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,331
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,337
−HK$1,021/mo
Today · 4.125%
HK$34,358
baseline
▲ 0.50% · 4.625%
HK$36,449
+HK$2,091/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,716/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,968
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,932
−HK$979/mo
Today · 4.125%
HK$37,911
baseline
▲ 0.50% · 4.625%
HK$39,909
+HK$1,998/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,822/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,311 · 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).