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$18,001
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,561
−HK$569/mo
Today · 4.125%
HK$19,130
baseline
▲ 0.50% · 4.625%
HK$20,294
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,260/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,026
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,563
−HK$545/mo
Today · 4.125%
HK$21,108
baseline
▲ 0.50% · 4.625%
HK$22,220
+HK$1,112/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,216/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,601
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,273
−HK$683/mo
Today · 4.125%
HK$22,956
baseline
▲ 0.50% · 4.625%
HK$24,352
+HK$1,396/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,912/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,031
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,675
−HK$654/mo
Today · 4.125%
HK$25,329
baseline
▲ 0.50% · 4.625%
HK$26,664
+HK$1,335/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,658/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,201
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,985
−HK$796/mo
Today · 4.125%
HK$26,781
baseline
▲ 0.50% · 4.625%
HK$28,411
+HK$1,630/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,562/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,036
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,788
−HK$763/mo
Today · 4.125%
HK$29,551
baseline
▲ 0.50% · 4.625%
HK$31,108
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,102/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,401
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,409
−HK$1,024/mo
Today · 4.125%
HK$34,433
baseline
▲ 0.50% · 4.625%
HK$36,529
+HK$2,096/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,866/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,046
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,013
−HK$981/mo
Today · 4.125%
HK$37,994
baseline
▲ 0.50% · 4.625%
HK$39,996
+HK$2,002/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,988/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,827 · 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).