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$17,958
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,517
−HK$567/mo
Today · 4.125%
HK$19,084
baseline
▲ 0.50% · 4.625%
HK$20,245
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,168/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,978
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,514
−HK$543/mo
Today · 4.125%
HK$21,057
baseline
▲ 0.50% · 4.625%
HK$22,167
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,114/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,550
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,220
−HK$681/mo
Today · 4.125%
HK$22,901
baseline
▲ 0.50% · 4.625%
HK$24,294
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,802/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,974
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,617
−HK$652/mo
Today · 4.125%
HK$25,269
baseline
▲ 0.50% · 4.625%
HK$26,601
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,538/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,141
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,923
−HK$795/mo
Today · 4.125%
HK$26,718
baseline
▲ 0.50% · 4.625%
HK$28,343
+HK$1,625/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,436/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,969
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,719
−HK$761/mo
Today · 4.125%
HK$29,480
baseline
▲ 0.50% · 4.625%
HK$31,034
+HK$1,554/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,960/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,324
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,330
−HK$1,021/mo
Today · 4.125%
HK$34,351
baseline
▲ 0.50% · 4.625%
HK$36,442
+HK$2,091/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,702/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,961
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,925
−HK$978/mo
Today · 4.125%
HK$37,903
baseline
▲ 0.50% · 4.625%
HK$39,901
+HK$1,998/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,806/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,263 · 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).