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$1,125/mo
▼ 0.25% · 3.875%
HK$18,503
−HK$567/mo
Today · 4.125%
HK$19,070
baseline
▲ 0.50% · 4.625%
HK$20,231
+HK$1,161/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,140/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,964
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,499
−HK$543/mo
Today · 4.125%
HK$21,042
baseline
▲ 0.50% · 4.625%
HK$22,151
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,084/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,534
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,204
−HK$680/mo
Today · 4.125%
HK$22,884
baseline
▲ 0.50% · 4.625%
HK$24,277
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,768/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,956
−HK$1,295/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$236,093 · 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$236,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,949
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,699
−HK$760/mo
Today · 4.125%
HK$29,459
baseline
▲ 0.50% · 4.625%
HK$31,012
+HK$1,553/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,918/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,093 · 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$36,415
+HK$2,088/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$236,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,935
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,898
−HK$978/mo
Today · 4.125%
HK$37,876
baseline
▲ 0.50% · 4.625%
HK$39,873
+HK$1,997/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,752/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,093 · 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).