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$17,959
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,518
−HK$567/mo
Today · 4.125%
HK$19,085
baseline
▲ 0.50% · 4.625%
HK$20,247
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,170/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,979
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,515
−HK$544/mo
Today · 4.125%
HK$21,059
baseline
▲ 0.50% · 4.625%
HK$22,169
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,118/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,551
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,221
−HK$681/mo
Today · 4.125%
HK$22,902
baseline
▲ 0.50% · 4.625%
HK$24,296
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,804/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,975
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,618
−HK$653/mo
Today · 4.125%
HK$25,271
baseline
▲ 0.50% · 4.625%
HK$26,603
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,542/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,143
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,925
−HK$795/mo
Today · 4.125%
HK$26,720
baseline
▲ 0.50% · 4.625%
HK$28,345
+HK$1,625/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,440/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,971
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,721
−HK$761/mo
Today · 4.125%
HK$29,482
baseline
▲ 0.50% · 4.625%
HK$31,036
+HK$1,554/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,964/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,326
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,332
−HK$1,022/mo
Today · 4.125%
HK$34,354
baseline
▲ 0.50% · 4.625%
HK$36,444
+HK$2,090/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,708/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,963
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,927
−HK$979/mo
Today · 4.125%
HK$37,906
baseline
▲ 0.50% · 4.625%
HK$39,904
+HK$1,998/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,812/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,279 · 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).