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$17,938
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,496
−HK$566/mo
Today · 4.125%
HK$19,062
baseline
▲ 0.50% · 4.625%
HK$20,222
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,124/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,955
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,491
−HK$543/mo
Today · 4.125%
HK$21,034
baseline
▲ 0.50% · 4.625%
HK$22,142
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,068/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,525
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,195
−HK$680/mo
Today · 4.125%
HK$22,875
baseline
▲ 0.50% · 4.625%
HK$24,267
+HK$1,392/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,750/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,946
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,589
−HK$651/mo
Today · 4.125%
HK$25,240
baseline
▲ 0.50% · 4.625%
HK$26,571
+HK$1,331/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,480/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,113
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,894
−HK$793/mo
Today · 4.125%
HK$26,687
baseline
▲ 0.50% · 4.625%
HK$28,311
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,374/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,938
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,687
−HK$760/mo
Today · 4.125%
HK$29,447
baseline
▲ 0.50% · 4.625%
HK$30,999
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,894/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,288
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,292
−HK$1,020/mo
Today · 4.125%
HK$34,312
baseline
▲ 0.50% · 4.625%
HK$36,400
+HK$2,088/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,624/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,920
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,883
−HK$977/mo
Today · 4.125%
HK$37,860
baseline
▲ 0.50% · 4.625%
HK$39,856
+HK$1,996/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,720/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,995 · 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).