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$17,943
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,502
−HK$567/mo
Today · 4.125%
HK$19,069
baseline
▲ 0.50% · 4.625%
HK$20,229
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,138/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,962
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,497
−HK$543/mo
Today · 4.125%
HK$21,040
baseline
▲ 0.50% · 4.625%
HK$22,149
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,080/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,532
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,202
−HK$680/mo
Today · 4.125%
HK$22,882
baseline
▲ 0.50% · 4.625%
HK$24,275
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,764/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,954
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,597
−HK$651/mo
Today · 4.125%
HK$25,248
baseline
▲ 0.50% · 4.625%
HK$26,579
+HK$1,331/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,496/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,121
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,902
−HK$794/mo
Today · 4.125%
HK$26,696
baseline
▲ 0.50% · 4.625%
HK$28,320
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,392/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,947
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,696
−HK$760/mo
Today · 4.125%
HK$29,456
baseline
▲ 0.50% · 4.625%
HK$31,009
+HK$1,553/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,912/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,298
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,303
−HK$1,021/mo
Today · 4.125%
HK$34,324
baseline
▲ 0.50% · 4.625%
HK$36,412
+HK$2,088/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,648/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,931
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,895
−HK$978/mo
Today · 4.125%
HK$37,873
baseline
▲ 0.50% · 4.625%
HK$39,869
+HK$1,996/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,746/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,071 · 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).