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$18,002
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,562
−HK$569/mo
Today · 4.125%
HK$19,131
baseline
▲ 0.50% · 4.625%
HK$20,295
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,262/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,027
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,564
−HK$545/mo
Today · 4.125%
HK$21,109
baseline
▲ 0.50% · 4.625%
HK$22,222
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,218/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,603
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,275
−HK$682/mo
Today · 4.125%
HK$22,957
baseline
▲ 0.50% · 4.625%
HK$24,354
+HK$1,397/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,914/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,033
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,677
−HK$654/mo
Today · 4.125%
HK$25,331
baseline
▲ 0.50% · 4.625%
HK$26,666
+HK$1,335/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,662/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,203
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,987
−HK$797/mo
Today · 4.125%
HK$26,784
baseline
▲ 0.50% · 4.625%
HK$28,413
+HK$1,629/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,568/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,038
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,790
−HK$763/mo
Today · 4.125%
HK$29,553
baseline
▲ 0.50% · 4.625%
HK$31,111
+HK$1,558/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,106/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,404
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,412
−HK$1,024/mo
Today · 4.125%
HK$34,436
baseline
▲ 0.50% · 4.625%
HK$36,531
+HK$2,095/mo
Deposit HK$789K · loan HK$7.11M · min. income ≈ HK$68,872/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,049
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,016
−HK$981/mo
Today · 4.125%
HK$37,997
baseline
▲ 0.50% · 4.625%
HK$40,000
+HK$2,003/mo
Deposit HK$789K · loan HK$7.11M · min. income ≈ HK$75,994/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,845 · 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).