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$18,018
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,579
−HK$569/mo
Today · 4.125%
HK$19,148
baseline
▲ 0.50% · 4.625%
HK$20,313
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,296/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,045
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,583
−HK$545/mo
Today · 4.125%
HK$21,128
baseline
▲ 0.50% · 4.625%
HK$22,242
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,256/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,622
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,295
−HK$683/mo
Today · 4.125%
HK$22,978
baseline
▲ 0.50% · 4.625%
HK$24,376
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,956/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,054
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,699
−HK$655/mo
Today · 4.125%
HK$25,354
baseline
▲ 0.50% · 4.625%
HK$26,690
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,708/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,226
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,010
−HK$798/mo
Today · 4.125%
HK$26,808
baseline
▲ 0.50% · 4.625%
HK$28,439
+HK$1,631/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,616/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,063
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,816
−HK$764/mo
Today · 4.125%
HK$29,580
baseline
▲ 0.50% · 4.625%
HK$31,139
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,160/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,433
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,442
−HK$1,025/mo
Today · 4.125%
HK$34,467
baseline
▲ 0.50% · 4.625%
HK$36,564
+HK$2,097/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,934/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,081
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,049
−HK$982/mo
Today · 4.125%
HK$38,031
baseline
▲ 0.50% · 4.625%
HK$40,035
+HK$2,004/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,062/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,058 · 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).