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$17,967
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,526
−HK$568/mo
Today · 4.125%
HK$19,094
baseline
▲ 0.50% · 4.625%
HK$20,255
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,188/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,988
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,524
−HK$544/mo
Today · 4.125%
HK$21,068
baseline
▲ 0.50% · 4.625%
HK$22,178
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,136/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,560
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,231
−HK$681/mo
Today · 4.125%
HK$22,912
baseline
▲ 0.50% · 4.625%
HK$24,307
+HK$1,395/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,824/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,986
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,629
−HK$653/mo
Today · 4.125%
HK$25,282
baseline
▲ 0.50% · 4.625%
HK$26,614
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,564/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,154
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,936
−HK$795/mo
Today · 4.125%
HK$26,731
baseline
▲ 0.50% · 4.625%
HK$28,358
+HK$1,627/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$53,462/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,983
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,734
−HK$761/mo
Today · 4.125%
HK$29,495
baseline
▲ 0.50% · 4.625%
HK$31,050
+HK$1,555/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$58,990/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,341
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,347
−HK$1,022/mo
Today · 4.125%
HK$34,369
baseline
▲ 0.50% · 4.625%
HK$36,460
+HK$2,091/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,738/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,979
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,943
−HK$979/mo
Today · 4.125%
HK$37,922
baseline
▲ 0.50% · 4.625%
HK$39,921
+HK$1,999/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,844/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,381 · 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).