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$18,022
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,583
−HK$569/mo
Today · 4.125%
HK$19,152
baseline
▲ 0.50% · 4.625%
HK$20,318
+HK$1,166/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,304/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,049
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,587
−HK$546/mo
Today · 4.125%
HK$21,133
baseline
▲ 0.50% · 4.625%
HK$22,246
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,266/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,626
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,299
−HK$684/mo
Today · 4.125%
HK$22,983
baseline
▲ 0.50% · 4.625%
HK$24,381
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,966/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,059
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,704
−HK$655/mo
Today · 4.125%
HK$25,359
baseline
▲ 0.50% · 4.625%
HK$26,696
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,718/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,231
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,016
−HK$797/mo
Today · 4.125%
HK$26,813
baseline
▲ 0.50% · 4.625%
HK$28,445
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,626/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,069
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,822
−HK$764/mo
Today · 4.125%
HK$29,586
baseline
▲ 0.50% · 4.625%
HK$31,145
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,172/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,440
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,449
−HK$1,025/mo
Today · 4.125%
HK$34,474
baseline
▲ 0.50% · 4.625%
HK$36,572
+HK$2,098/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,948/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,089
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,057
−HK$982/mo
Today · 4.125%
HK$38,039
baseline
▲ 0.50% · 4.625%
HK$40,044
+HK$2,005/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,078/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,106 · 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).