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$17,965
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,524
−HK$568/mo
Today · 4.125%
HK$19,092
baseline
▲ 0.50% · 4.625%
HK$20,253
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,184/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,986
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,522
−HK$544/mo
Today · 4.125%
HK$21,066
baseline
▲ 0.50% · 4.625%
HK$22,176
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,132/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,558
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,229
−HK$681/mo
Today · 4.125%
HK$22,910
baseline
▲ 0.50% · 4.625%
HK$24,304
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,820/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,983
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,626
−HK$653/mo
Today · 4.125%
HK$25,279
baseline
▲ 0.50% · 4.625%
HK$26,611
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,558/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,151
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,934
−HK$794/mo
Today · 4.125%
HK$26,728
baseline
▲ 0.50% · 4.625%
HK$28,355
+HK$1,627/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,456/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,980
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,731
−HK$761/mo
Today · 4.125%
HK$29,492
baseline
▲ 0.50% · 4.625%
HK$31,047
+HK$1,555/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,984/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,337
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,343
−HK$1,022/mo
Today · 4.125%
HK$34,365
baseline
▲ 0.50% · 4.625%
HK$36,456
+HK$2,091/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,730/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,975
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,940
−HK$979/mo
Today · 4.125%
HK$37,919
baseline
▲ 0.50% · 4.625%
HK$39,917
+HK$1,998/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,838/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,357 · 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).