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$17,986
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,546
−HK$568/mo
Today · 4.125%
HK$19,114
baseline
▲ 0.50% · 4.625%
HK$20,277
+HK$1,163/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,228/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,010
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,546
−HK$545/mo
Today · 4.125%
HK$21,091
baseline
▲ 0.50% · 4.625%
HK$22,202
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,182/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,584
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,255
−HK$682/mo
Today · 4.125%
HK$22,937
baseline
▲ 0.50% · 4.625%
HK$24,333
+HK$1,396/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$45,874/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,011
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,655
−HK$654/mo
Today · 4.125%
HK$25,309
baseline
▲ 0.50% · 4.625%
HK$26,643
+HK$1,334/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$50,618/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,181
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,964
−HK$796/mo
Today · 4.125%
HK$26,760
baseline
▲ 0.50% · 4.625%
HK$28,388
+HK$1,628/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,520/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,013
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,765
−HK$762/mo
Today · 4.125%
HK$29,527
baseline
▲ 0.50% · 4.625%
HK$31,083
+HK$1,556/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,054/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,375
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,382
−HK$1,024/mo
Today · 4.125%
HK$34,406
baseline
▲ 0.50% · 4.625%
HK$36,499
+HK$2,093/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,812/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,017
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,983
−HK$980/mo
Today · 4.125%
HK$37,963
baseline
▲ 0.50% · 4.625%
HK$39,964
+HK$2,001/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,926/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,635 · 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).