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$17,990
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,549
−HK$569/mo
Today · 4.125%
HK$19,118
baseline
▲ 0.50% · 4.625%
HK$20,281
+HK$1,163/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,236/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,013
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,550
−HK$545/mo
Today · 4.125%
HK$21,095
baseline
▲ 0.50% · 4.625%
HK$22,207
+HK$1,112/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,190/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,588
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,259
−HK$682/mo
Today · 4.125%
HK$22,941
baseline
▲ 0.50% · 4.625%
HK$24,337
+HK$1,396/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$45,882/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,016
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,660
−HK$654/mo
Today · 4.125%
HK$25,314
baseline
▲ 0.50% · 4.625%
HK$26,648
+HK$1,334/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$50,628/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,186
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,969
−HK$796/mo
Today · 4.125%
HK$26,765
baseline
▲ 0.50% · 4.625%
HK$28,393
+HK$1,628/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,530/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,019
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,770
−HK$762/mo
Today · 4.125%
HK$29,532
baseline
▲ 0.50% · 4.625%
HK$31,089
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,064/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,381
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,389
−HK$1,023/mo
Today · 4.125%
HK$34,412
baseline
▲ 0.50% · 4.625%
HK$36,506
+HK$2,094/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,824/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,024
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,990
−HK$980/mo
Today · 4.125%
HK$37,970
baseline
▲ 0.50% · 4.625%
HK$39,972
+HK$2,002/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,940/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,680 · 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).