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$17,937
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,495
−HK$566/mo
Today · 4.125%
HK$19,061
baseline
▲ 0.50% · 4.625%
HK$20,221
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,122/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,954
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,489
−HK$543/mo
Today · 4.125%
HK$21,032
baseline
▲ 0.50% · 4.625%
HK$22,141
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,064/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,524
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,193
−HK$681/mo
Today · 4.125%
HK$22,874
baseline
▲ 0.50% · 4.625%
HK$24,265
+HK$1,391/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,748/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,945
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,587
−HK$652/mo
Today · 4.125%
HK$25,239
baseline
▲ 0.50% · 4.625%
HK$26,569
+HK$1,330/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,478/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,111
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,892
−HK$794/mo
Today · 4.125%
HK$26,686
baseline
▲ 0.50% · 4.625%
HK$28,310
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,372/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,936
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,685
−HK$760/mo
Today · 4.125%
HK$29,445
baseline
▲ 0.50% · 4.625%
HK$30,997
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,890/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,286
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,290
−HK$1,020/mo
Today · 4.125%
HK$34,310
baseline
▲ 0.50% · 4.625%
HK$36,398
+HK$2,088/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,620/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,918
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,881
−HK$977/mo
Today · 4.125%
HK$37,858
baseline
▲ 0.50% · 4.625%
HK$39,854
+HK$1,996/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,716/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,982 · 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).