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$17,982
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,541
−HK$568/mo
Today · 4.125%
HK$19,109
baseline
▲ 0.50% · 4.625%
HK$20,272
+HK$1,163/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,218/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,005
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,541
−HK$544/mo
Today · 4.125%
HK$21,085
baseline
▲ 0.50% · 4.625%
HK$22,197
+HK$1,112/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,170/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,578
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,249
−HK$682/mo
Today · 4.125%
HK$22,931
baseline
▲ 0.50% · 4.625%
HK$24,327
+HK$1,396/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,862/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,006
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,649
−HK$653/mo
Today · 4.125%
HK$25,302
baseline
▲ 0.50% · 4.625%
HK$26,636
+HK$1,334/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,604/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,175
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,958
−HK$795/mo
Today · 4.125%
HK$26,753
baseline
▲ 0.50% · 4.625%
HK$28,381
+HK$1,628/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,506/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,006
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,758
−HK$762/mo
Today · 4.125%
HK$29,520
baseline
▲ 0.50% · 4.625%
HK$31,076
+HK$1,556/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,040/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,367
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,374
−HK$1,023/mo
Today · 4.125%
HK$34,397
baseline
▲ 0.50% · 4.625%
HK$36,490
+HK$2,093/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,794/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,008
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,974
−HK$980/mo
Today · 4.125%
HK$37,954
baseline
▲ 0.50% · 4.625%
HK$39,954
+HK$2,000/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,908/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,577 · 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).