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$17,964
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,523
−HK$567/mo
Today · 4.125%
HK$19,090
baseline
▲ 0.50% · 4.625%
HK$20,252
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,180/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,985
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,521
−HK$543/mo
Today · 4.125%
HK$21,064
baseline
▲ 0.50% · 4.625%
HK$22,175
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,128/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,557
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,227
−HK$681/mo
Today · 4.125%
HK$22,908
baseline
▲ 0.50% · 4.625%
HK$24,302
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,816/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,982
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,625
−HK$652/mo
Today · 4.125%
HK$25,277
baseline
▲ 0.50% · 4.625%
HK$26,610
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,554/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,149
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,932
−HK$795/mo
Today · 4.125%
HK$26,727
baseline
▲ 0.50% · 4.625%
HK$28,353
+HK$1,626/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,454/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,979
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,729
−HK$761/mo
Today · 4.125%
HK$29,490
baseline
▲ 0.50% · 4.625%
HK$31,045
+HK$1,555/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,980/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,335
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,341
−HK$1,022/mo
Today · 4.125%
HK$34,363
baseline
▲ 0.50% · 4.625%
HK$36,454
+HK$2,091/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,726/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,972
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,937
−HK$979/mo
Today · 4.125%
HK$37,916
baseline
▲ 0.50% · 4.625%
HK$39,914
+HK$1,998/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,832/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,341 · 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).