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$17,996
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,556
−HK$569/mo
Today · 4.125%
HK$19,125
baseline
▲ 0.50% · 4.625%
HK$20,288
+HK$1,163/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,250/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,021
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,557
−HK$545/mo
Today · 4.125%
HK$21,102
baseline
▲ 0.50% · 4.625%
HK$22,215
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,204/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,595
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,267
−HK$683/mo
Today · 4.125%
HK$22,950
baseline
▲ 0.50% · 4.625%
HK$24,346
+HK$1,396/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,900/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,025
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,669
−HK$654/mo
Today · 4.125%
HK$25,323
baseline
▲ 0.50% · 4.625%
HK$26,657
+HK$1,334/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,646/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,195
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,978
−HK$797/mo
Today · 4.125%
HK$26,775
baseline
▲ 0.50% · 4.625%
HK$28,404
+HK$1,629/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,550/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,029
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,780
−HK$763/mo
Today · 4.125%
HK$29,543
baseline
▲ 0.50% · 4.625%
HK$31,100
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,086/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,393
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,401
−HK$1,023/mo
Today · 4.125%
HK$34,424
baseline
▲ 0.50% · 4.625%
HK$36,519
+HK$2,095/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,848/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,037
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,003
−HK$981/mo
Today · 4.125%
HK$37,984
baseline
▲ 0.50% · 4.625%
HK$39,986
+HK$2,002/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,968/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,765 · 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).