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$17,944
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,503
−HK$567/mo
Today · 4.125%
HK$19,070
baseline
▲ 0.50% · 4.625%
HK$20,230
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,140/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,963
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,498
−HK$544/mo
Today · 4.125%
HK$21,042
baseline
▲ 0.50% · 4.625%
HK$22,151
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,084/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,533
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,203
−HK$681/mo
Today · 4.125%
HK$22,884
baseline
▲ 0.50% · 4.625%
HK$24,276
+HK$1,392/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,768/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,956
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,598
−HK$652/mo
Today · 4.125%
HK$25,250
baseline
▲ 0.50% · 4.625%
HK$26,581
+HK$1,331/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,500/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,122
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,904
−HK$794/mo
Today · 4.125%
HK$26,698
baseline
▲ 0.50% · 4.625%
HK$28,322
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,396/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,948
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,698
−HK$760/mo
Today · 4.125%
HK$29,458
baseline
▲ 0.50% · 4.625%
HK$31,011
+HK$1,553/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,916/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,300
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,305
−HK$1,021/mo
Today · 4.125%
HK$34,326
baseline
▲ 0.50% · 4.625%
HK$36,414
+HK$2,088/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,652/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,934
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,897
−HK$978/mo
Today · 4.125%
HK$37,875
baseline
▲ 0.50% · 4.625%
HK$39,871
+HK$1,996/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,750/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,086 · 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).