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$17,937
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,495
−HK$567/mo
Today · 4.125%
HK$19,062
baseline
▲ 0.50% · 4.625%
HK$20,222
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,124/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,955
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,490
−HK$543/mo
Today · 4.125%
HK$21,033
baseline
▲ 0.50% · 4.625%
HK$22,141
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,066/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,524
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,194
−HK$680/mo
Today · 4.125%
HK$22,874
baseline
▲ 0.50% · 4.625%
HK$24,266
+HK$1,392/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,748/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,946
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,588
−HK$651/mo
Today · 4.125%
HK$25,239
baseline
▲ 0.50% · 4.625%
HK$26,570
+HK$1,331/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,478/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,112
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,893
−HK$793/mo
Today · 4.125%
HK$26,686
baseline
▲ 0.50% · 4.625%
HK$28,310
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,372/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,937
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,686
−HK$760/mo
Today · 4.125%
HK$29,446
baseline
▲ 0.50% · 4.625%
HK$30,998
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,892/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,287
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,291
−HK$1,020/mo
Today · 4.125%
HK$34,311
baseline
▲ 0.50% · 4.625%
HK$36,399
+HK$2,088/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,622/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,918
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,882
−HK$977/mo
Today · 4.125%
HK$37,859
baseline
▲ 0.50% · 4.625%
HK$39,855
+HK$1,996/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,718/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,986 · 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).