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$18,008
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,569
−HK$569/mo
Today · 4.125%
HK$19,138
baseline
▲ 0.50% · 4.625%
HK$20,302
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,276/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,034
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,571
−HK$546/mo
Today · 4.125%
HK$21,117
baseline
▲ 0.50% · 4.625%
HK$22,230
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,234/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,610
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,282
−HK$683/mo
Today · 4.125%
HK$22,965
baseline
▲ 0.50% · 4.625%
HK$24,363
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,930/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,041
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,686
−HK$654/mo
Today · 4.125%
HK$25,340
baseline
▲ 0.50% · 4.625%
HK$26,676
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,680/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,212
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,996
−HK$797/mo
Today · 4.125%
HK$26,793
baseline
▲ 0.50% · 4.625%
HK$28,423
+HK$1,630/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,586/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,048
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,800
−HK$763/mo
Today · 4.125%
HK$29,563
baseline
▲ 0.50% · 4.625%
HK$31,121
+HK$1,558/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,126/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,415
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,423
−HK$1,025/mo
Today · 4.125%
HK$34,448
baseline
▲ 0.50% · 4.625%
HK$36,544
+HK$2,096/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,896/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,061
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,029
−HK$981/mo
Today · 4.125%
HK$38,010
baseline
▲ 0.50% · 4.625%
HK$40,013
+HK$2,003/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,020/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,926 · 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).