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$17,948
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,506
−HK$567/mo
Today · 4.125%
HK$19,073
baseline
▲ 0.50% · 4.625%
HK$20,234
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,146/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,967
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,502
−HK$543/mo
Today · 4.125%
HK$21,045
baseline
▲ 0.50% · 4.625%
HK$22,155
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,090/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,537
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,207
−HK$681/mo
Today · 4.125%
HK$22,888
baseline
▲ 0.50% · 4.625%
HK$24,281
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,776/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,960
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,603
−HK$652/mo
Today · 4.125%
HK$25,255
baseline
▲ 0.50% · 4.625%
HK$26,586
+HK$1,331/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,510/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,127
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,908
−HK$795/mo
Today · 4.125%
HK$26,703
baseline
▲ 0.50% · 4.625%
HK$28,327
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,406/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,953
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,703
−HK$761/mo
Today · 4.125%
HK$29,464
baseline
▲ 0.50% · 4.625%
HK$31,017
+HK$1,553/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,928/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,306
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,311
−HK$1,021/mo
Today · 4.125%
HK$34,332
baseline
▲ 0.50% · 4.625%
HK$36,421
+HK$2,089/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,664/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,940
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,904
−HK$978/mo
Today · 4.125%
HK$37,882
baseline
▲ 0.50% · 4.625%
HK$39,879
+HK$1,997/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,764/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,129 · 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).