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$17,974
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,533
−HK$568/mo
Today · 4.125%
HK$19,101
baseline
▲ 0.50% · 4.625%
HK$20,263
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,202/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,996
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,532
−HK$544/mo
Today · 4.125%
HK$21,076
baseline
▲ 0.50% · 4.625%
HK$22,187
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,152/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,569
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,240
−HK$681/mo
Today · 4.125%
HK$22,921
baseline
▲ 0.50% · 4.625%
HK$24,316
+HK$1,395/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,842/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,995
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,639
−HK$652/mo
Today · 4.125%
HK$25,291
baseline
▲ 0.50% · 4.625%
HK$26,625
+HK$1,334/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,582/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,164
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,946
−HK$796/mo
Today · 4.125%
HK$26,742
baseline
▲ 0.50% · 4.625%
HK$28,369
+HK$1,627/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$53,484/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,994
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,745
−HK$762/mo
Today · 4.125%
HK$29,507
baseline
▲ 0.50% · 4.625%
HK$31,062
+HK$1,555/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$59,014/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,353
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,359
−HK$1,023/mo
Today · 4.125%
HK$34,382
baseline
▲ 0.50% · 4.625%
HK$36,474
+HK$2,092/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,764/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,993
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,958
−HK$979/mo
Today · 4.125%
HK$37,937
baseline
▲ 0.50% · 4.625%
HK$39,937
+HK$2,000/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,874/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,473 · 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).