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$17,934
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,492
−HK$566/mo
Today · 4.125%
HK$19,058
baseline
▲ 0.50% · 4.625%
HK$20,218
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,116/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,951
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,486
−HK$543/mo
Today · 4.125%
HK$21,029
baseline
▲ 0.50% · 4.625%
HK$22,138
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,058/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,521
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,190
−HK$680/mo
Today · 4.125%
HK$22,870
baseline
▲ 0.50% · 4.625%
HK$24,262
+HK$1,392/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,740/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,941
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,583
−HK$652/mo
Today · 4.125%
HK$25,235
baseline
▲ 0.50% · 4.625%
HK$26,565
+HK$1,330/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,470/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,107
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,888
−HK$794/mo
Today · 4.125%
HK$26,682
baseline
▲ 0.50% · 4.625%
HK$28,305
+HK$1,623/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,364/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,932
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,681
−HK$760/mo
Today · 4.125%
HK$29,441
baseline
▲ 0.50% · 4.625%
HK$30,993
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,882/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,281
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,285
−HK$1,020/mo
Today · 4.125%
HK$34,305
baseline
▲ 0.50% · 4.625%
HK$36,392
+HK$2,087/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$68,610/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,912
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,875
−HK$977/mo
Today · 4.125%
HK$37,852
baseline
▲ 0.50% · 4.625%
HK$39,848
+HK$1,996/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$75,704/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,945 · 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).