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$18,006
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,566
−HK$569/mo
Today · 4.125%
HK$19,135
baseline
▲ 0.50% · 4.625%
HK$20,300
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,270/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,032
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,569
−HK$545/mo
Today · 4.125%
HK$21,114
baseline
▲ 0.50% · 4.625%
HK$22,227
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,228/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,607
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,280
−HK$682/mo
Today · 4.125%
HK$22,962
baseline
▲ 0.50% · 4.625%
HK$24,360
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,924/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,038
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,683
−HK$654/mo
Today · 4.125%
HK$25,337
baseline
▲ 0.50% · 4.625%
HK$26,672
+HK$1,335/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,674/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,209
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,993
−HK$796/mo
Today · 4.125%
HK$26,789
baseline
▲ 0.50% · 4.625%
HK$28,420
+HK$1,631/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,578/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,044
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,796
−HK$764/mo
Today · 4.125%
HK$29,560
baseline
▲ 0.50% · 4.625%
HK$31,118
+HK$1,558/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,120/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,411
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,419
−HK$1,025/mo
Today · 4.125%
HK$34,444
baseline
▲ 0.50% · 4.625%
HK$36,539
+HK$2,095/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,888/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,057
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,024
−HK$981/mo
Today · 4.125%
HK$38,005
baseline
▲ 0.50% · 4.625%
HK$40,008
+HK$2,003/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,010/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,897 · 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).