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$18,016
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,576
−HK$569/mo
Today · 4.125%
HK$19,145
baseline
▲ 0.50% · 4.625%
HK$20,310
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,290/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,042
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,580
−HK$545/mo
Today · 4.125%
HK$21,125
baseline
▲ 0.50% · 4.625%
HK$22,238
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,250/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,619
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,291
−HK$683/mo
Today · 4.125%
HK$22,974
baseline
▲ 0.50% · 4.625%
HK$24,372
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,948/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,050
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,696
−HK$654/mo
Today · 4.125%
HK$25,350
baseline
▲ 0.50% · 4.625%
HK$26,686
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,700/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,222
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$26,006
−HK$797/mo
Today · 4.125%
HK$26,803
baseline
▲ 0.50% · 4.625%
HK$28,434
+HK$1,631/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,606/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,059
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,811
−HK$764/mo
Today · 4.125%
HK$29,575
baseline
▲ 0.50% · 4.625%
HK$31,134
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,150/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,428
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,437
−HK$1,024/mo
Today · 4.125%
HK$34,461
baseline
▲ 0.50% · 4.625%
HK$36,558
+HK$2,097/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,922/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,076
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,043
−HK$982/mo
Today · 4.125%
HK$38,025
baseline
▲ 0.50% · 4.625%
HK$40,029
+HK$2,004/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,050/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,020 · 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).