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$17,962
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,521
−HK$568/mo
Today · 4.125%
HK$19,089
baseline
▲ 0.50% · 4.625%
HK$20,250
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,178/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,983
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,519
−HK$544/mo
Today · 4.125%
HK$21,063
baseline
▲ 0.50% · 4.625%
HK$22,173
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,126/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,555
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,225
−HK$682/mo
Today · 4.125%
HK$22,907
baseline
▲ 0.50% · 4.625%
HK$24,300
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,814/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,980
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,623
−HK$652/mo
Today · 4.125%
HK$25,275
baseline
▲ 0.50% · 4.625%
HK$26,608
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,550/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,147
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,930
−HK$794/mo
Today · 4.125%
HK$26,724
baseline
▲ 0.50% · 4.625%
HK$28,351
+HK$1,627/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,448/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,976
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,727
−HK$761/mo
Today · 4.125%
HK$29,488
baseline
▲ 0.50% · 4.625%
HK$31,042
+HK$1,554/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,976/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,332
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,338
−HK$1,022/mo
Today · 4.125%
HK$34,360
baseline
▲ 0.50% · 4.625%
HK$36,451
+HK$2,091/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,720/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,970
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,934
−HK$979/mo
Today · 4.125%
HK$37,913
baseline
▲ 0.50% · 4.625%
HK$39,911
+HK$1,998/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,826/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,322 · 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).