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$17,992
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,552
−HK$569/mo
Today · 4.125%
HK$19,121
baseline
▲ 0.50% · 4.625%
HK$20,284
+HK$1,163/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,242/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,016
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,553
−HK$545/mo
Today · 4.125%
HK$21,098
baseline
▲ 0.50% · 4.625%
HK$22,210
+HK$1,112/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,196/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,591
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,262
−HK$683/mo
Today · 4.125%
HK$22,945
baseline
▲ 0.50% · 4.625%
HK$24,341
+HK$1,396/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$45,890/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,020
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,664
−HK$653/mo
Today · 4.125%
HK$25,317
baseline
▲ 0.50% · 4.625%
HK$26,652
+HK$1,335/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$50,634/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,189
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,973
−HK$796/mo
Today · 4.125%
HK$26,769
baseline
▲ 0.50% · 4.625%
HK$28,398
+HK$1,629/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,538/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,023
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,774
−HK$763/mo
Today · 4.125%
HK$29,537
baseline
▲ 0.50% · 4.625%
HK$31,094
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,074/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,386
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,394
−HK$1,023/mo
Today · 4.125%
HK$34,417
baseline
▲ 0.50% · 4.625%
HK$36,511
+HK$2,094/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,834/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,029
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$36,996
−HK$980/mo
Today · 4.125%
HK$37,976
baseline
▲ 0.50% · 4.625%
HK$39,978
+HK$2,002/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,952/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,715 · 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).