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$17,945
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,503
−HK$568/mo
Today · 4.125%
HK$19,071
baseline
▲ 0.50% · 4.625%
HK$20,231
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,142/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,964
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,499
−HK$544/mo
Today · 4.125%
HK$21,043
baseline
▲ 0.50% · 4.625%
HK$22,152
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,086/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,534
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,204
−HK$681/mo
Today · 4.125%
HK$22,885
baseline
▲ 0.50% · 4.625%
HK$24,277
+HK$1,392/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,770/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,957
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,599
−HK$652/mo
Today · 4.125%
HK$25,251
baseline
▲ 0.50% · 4.625%
HK$26,582
+HK$1,331/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,502/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,123
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,905
−HK$794/mo
Today · 4.125%
HK$26,699
baseline
▲ 0.50% · 4.625%
HK$28,323
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,398/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,950
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,699
−HK$761/mo
Today · 4.125%
HK$29,460
baseline
▲ 0.50% · 4.625%
HK$31,012
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,920/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,301
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,306
−HK$1,021/mo
Today · 4.125%
HK$34,327
baseline
▲ 0.50% · 4.625%
HK$36,416
+HK$2,089/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,654/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,935
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,899
−HK$978/mo
Today · 4.125%
HK$37,877
baseline
▲ 0.50% · 4.625%
HK$39,873
+HK$1,996/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,754/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,096 · 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).