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$17,991
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,551
−HK$569/mo
Today · 4.125%
HK$19,120
baseline
▲ 0.50% · 4.625%
HK$20,283
+HK$1,163/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,240/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,015
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,552
−HK$545/mo
Today · 4.125%
HK$21,097
baseline
▲ 0.50% · 4.625%
HK$22,209
+HK$1,112/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,194/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,590
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,261
−HK$682/mo
Today · 4.125%
HK$22,943
baseline
▲ 0.50% · 4.625%
HK$24,339
+HK$1,396/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$45,886/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,018
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,662
−HK$654/mo
Today · 4.125%
HK$25,316
baseline
▲ 0.50% · 4.625%
HK$26,650
+HK$1,334/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$50,632/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,188
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,971
−HK$796/mo
Today · 4.125%
HK$26,767
baseline
▲ 0.50% · 4.625%
HK$28,396
+HK$1,629/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,534/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,021
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,773
−HK$762/mo
Today · 4.125%
HK$29,535
baseline
▲ 0.50% · 4.625%
HK$31,092
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,070/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,384
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,392
−HK$1,023/mo
Today · 4.125%
HK$34,415
baseline
▲ 0.50% · 4.625%
HK$36,509
+HK$2,094/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,830/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,027
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$36,994
−HK$980/mo
Today · 4.125%
HK$37,974
baseline
▲ 0.50% · 4.625%
HK$39,975
+HK$2,001/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,948/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,702 · 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).