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$17,933
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,490
−HK$567/mo
Today · 4.125%
HK$19,057
baseline
▲ 0.50% · 4.625%
HK$20,217
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,114/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,950
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,485
−HK$543/mo
Today · 4.125%
HK$21,028
baseline
▲ 0.50% · 4.625%
HK$22,136
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,056/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,519
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,189
−HK$680/mo
Today · 4.125%
HK$22,869
baseline
▲ 0.50% · 4.625%
HK$24,260
+HK$1,391/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,738/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,940
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,582
−HK$651/mo
Today · 4.125%
HK$25,233
baseline
▲ 0.50% · 4.625%
HK$26,563
+HK$1,330/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,466/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,106
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,887
−HK$793/mo
Today · 4.125%
HK$26,680
baseline
▲ 0.50% · 4.625%
HK$28,304
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,360/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,930
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,679
−HK$760/mo
Today · 4.125%
HK$29,439
baseline
▲ 0.50% · 4.625%
HK$30,991
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,878/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,279
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,283
−HK$1,020/mo
Today · 4.125%
HK$34,303
baseline
▲ 0.50% · 4.625%
HK$36,390
+HK$2,087/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$68,606/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,910
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,873
−HK$977/mo
Today · 4.125%
HK$37,850
baseline
▲ 0.50% · 4.625%
HK$39,845
+HK$1,995/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$75,700/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,930 · 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).