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$17,946
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,505
−HK$567/mo
Today · 4.125%
HK$19,072
baseline
▲ 0.50% · 4.625%
HK$20,232
+HK$1,160/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,144/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,965
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,501
−HK$543/mo
Today · 4.125%
HK$21,044
baseline
▲ 0.50% · 4.625%
HK$22,153
+HK$1,109/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,088/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,536
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,206
−HK$680/mo
Today · 4.125%
HK$22,886
baseline
▲ 0.50% · 4.625%
HK$24,279
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,772/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,958
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,601
−HK$652/mo
Today · 4.125%
HK$25,253
baseline
▲ 0.50% · 4.625%
HK$26,584
+HK$1,331/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,506/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,125
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,907
−HK$794/mo
Today · 4.125%
HK$26,701
baseline
▲ 0.50% · 4.625%
HK$28,325
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,402/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,951
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,701
−HK$761/mo
Today · 4.125%
HK$29,462
baseline
▲ 0.50% · 4.625%
HK$31,014
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,924/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,304
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,308
−HK$1,021/mo
Today · 4.125%
HK$34,329
baseline
▲ 0.50% · 4.625%
HK$36,418
+HK$2,089/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,658/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,937
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,901
−HK$978/mo
Today · 4.125%
HK$37,879
baseline
▲ 0.50% · 4.625%
HK$39,876
+HK$1,997/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,758/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,112 · 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).