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$17,941
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,499
−HK$567/mo
Today · 4.125%
HK$19,066
baseline
▲ 0.50% · 4.625%
HK$20,227
+HK$1,161/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,132/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,960
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,495
−HK$543/mo
Today · 4.125%
HK$21,038
baseline
▲ 0.50% · 4.625%
HK$22,147
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,076/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,530
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,199
−HK$681/mo
Today · 4.125%
HK$22,880
baseline
▲ 0.50% · 4.625%
HK$24,272
+HK$1,392/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,760/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,952
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,594
−HK$652/mo
Today · 4.125%
HK$25,246
baseline
▲ 0.50% · 4.625%
HK$26,576
+HK$1,330/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,492/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,118
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,899
−HK$794/mo
Today · 4.125%
HK$26,693
baseline
▲ 0.50% · 4.625%
HK$28,317
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,386/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,943
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,693
−HK$760/mo
Today · 4.125%
HK$29,453
baseline
▲ 0.50% · 4.625%
HK$31,006
+HK$1,553/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,906/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,295
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,299
−HK$1,021/mo
Today · 4.125%
HK$34,320
baseline
▲ 0.50% · 4.625%
HK$36,408
+HK$2,088/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,640/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,927
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,891
−HK$977/mo
Today · 4.125%
HK$37,868
baseline
▲ 0.50% · 4.625%
HK$39,864
+HK$1,996/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,736/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,045 · 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).