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$17,973
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,532
−HK$569/mo
Today · 4.125%
HK$19,101
baseline
▲ 0.50% · 4.625%
HK$20,263
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,202/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,995
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,532
−HK$544/mo
Today · 4.125%
HK$21,076
baseline
▲ 0.50% · 4.625%
HK$22,186
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,152/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,568
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,239
−HK$682/mo
Today · 4.125%
HK$22,921
baseline
▲ 0.50% · 4.625%
HK$24,315
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,842/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,994
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,638
−HK$653/mo
Today · 4.125%
HK$25,291
baseline
▲ 0.50% · 4.625%
HK$26,624
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,582/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,163
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,945
−HK$796/mo
Today · 4.125%
HK$26,741
baseline
▲ 0.50% · 4.625%
HK$28,368
+HK$1,627/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$53,482/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,993
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,744
−HK$762/mo
Today · 4.125%
HK$29,506
baseline
▲ 0.50% · 4.625%
HK$31,061
+HK$1,555/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$59,012/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,352
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,358
−HK$1,023/mo
Today · 4.125%
HK$34,381
baseline
▲ 0.50% · 4.625%
HK$36,473
+HK$2,092/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,762/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,991
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,957
−HK$979/mo
Today · 4.125%
HK$37,936
baseline
▲ 0.50% · 4.625%
HK$39,936
+HK$2,000/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,872/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,466 · 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).