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$17,995
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,555
−HK$568/mo
Today · 4.125%
HK$19,123
baseline
▲ 0.50% · 4.625%
HK$20,287
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,246/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,019
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,556
−HK$545/mo
Today · 4.125%
HK$21,101
baseline
▲ 0.50% · 4.625%
HK$22,213
+HK$1,112/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,202/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,594
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,266
−HK$682/mo
Today · 4.125%
HK$22,948
baseline
▲ 0.50% · 4.625%
HK$24,344
+HK$1,396/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$45,896/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,023
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,667
−HK$654/mo
Today · 4.125%
HK$25,321
baseline
▲ 0.50% · 4.625%
HK$26,656
+HK$1,335/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$50,642/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,193
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,977
−HK$796/mo
Today · 4.125%
HK$26,773
baseline
▲ 0.50% · 4.625%
HK$28,402
+HK$1,629/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,546/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,027
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,779
−HK$762/mo
Today · 4.125%
HK$29,541
baseline
▲ 0.50% · 4.625%
HK$31,098
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,082/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,391
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,399
−HK$1,023/mo
Today · 4.125%
HK$34,422
baseline
▲ 0.50% · 4.625%
HK$36,517
+HK$2,095/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,844/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,035
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,001
−HK$981/mo
Today · 4.125%
HK$37,982
baseline
▲ 0.50% · 4.625%
HK$39,984
+HK$2,002/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,964/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,750 · 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).