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$18,011
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,571
−HK$569/mo
Today · 4.125%
HK$19,140
baseline
▲ 0.50% · 4.625%
HK$20,305
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,280/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,037
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,574
−HK$545/mo
Today · 4.125%
HK$21,119
baseline
▲ 0.50% · 4.625%
HK$22,232
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,238/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,613
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,285
−HK$683/mo
Today · 4.125%
HK$22,968
baseline
▲ 0.50% · 4.625%
HK$24,366
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,936/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,044
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,689
−HK$654/mo
Today · 4.125%
HK$25,343
baseline
▲ 0.50% · 4.625%
HK$26,679
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,686/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,215
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,999
−HK$797/mo
Today · 4.125%
HK$26,796
baseline
▲ 0.50% · 4.625%
HK$28,427
+HK$1,631/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,592/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,051
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,804
−HK$763/mo
Today · 4.125%
HK$29,567
baseline
▲ 0.50% · 4.625%
HK$31,125
+HK$1,558/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,134/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,419
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,428
−HK$1,024/mo
Today · 4.125%
HK$34,452
baseline
▲ 0.50% · 4.625%
HK$36,549
+HK$2,097/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,904/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,066
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,033
−HK$982/mo
Today · 4.125%
HK$38,015
baseline
▲ 0.50% · 4.625%
HK$40,018
+HK$2,003/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,030/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,957 · 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).