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$17,983
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,543
−HK$568/mo
Today · 4.125%
HK$19,111
baseline
▲ 0.50% · 4.625%
HK$20,274
+HK$1,163/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,222/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,006
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,543
−HK$544/mo
Today · 4.125%
HK$21,087
baseline
▲ 0.50% · 4.625%
HK$22,199
+HK$1,112/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,174/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,580
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,251
−HK$682/mo
Today · 4.125%
HK$22,933
baseline
▲ 0.50% · 4.625%
HK$24,329
+HK$1,396/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,866/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,008
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,651
−HK$654/mo
Today · 4.125%
HK$25,305
baseline
▲ 0.50% · 4.625%
HK$26,638
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,610/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,177
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,960
−HK$795/mo
Today · 4.125%
HK$26,755
baseline
▲ 0.50% · 4.625%
HK$28,383
+HK$1,628/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,510/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,009
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,760
−HK$762/mo
Today · 4.125%
HK$29,522
baseline
▲ 0.50% · 4.625%
HK$31,078
+HK$1,556/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,044/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,370
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,377
−HK$1,023/mo
Today · 4.125%
HK$34,400
baseline
▲ 0.50% · 4.625%
HK$36,493
+HK$2,093/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,800/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,011
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,977
−HK$980/mo
Today · 4.125%
HK$37,957
baseline
▲ 0.50% · 4.625%
HK$39,958
+HK$2,001/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,914/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,597 · 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).