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$18,517
−HK$568/mo
Today · 4.125%
HK$19,085
baseline
▲ 0.50% · 4.625%
HK$20,246
+HK$1,161/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$236,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,979
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,515
−HK$543/mo
Today · 4.125%
HK$21,058
baseline
▲ 0.50% · 4.625%
HK$22,168
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,116/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,550
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,221
−HK$681/mo
Today · 4.125%
HK$22,902
baseline
▲ 0.50% · 4.625%
HK$24,295
+HK$1,393/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$236,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,974
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,617
−HK$653/mo
Today · 4.125%
HK$25,270
baseline
▲ 0.50% · 4.625%
HK$26,602
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,540/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,142
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,924
−HK$795/mo
Today · 4.125%
HK$26,719
baseline
▲ 0.50% · 4.625%
HK$28,344
+HK$1,625/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,438/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,970
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,720
−HK$761/mo
Today · 4.125%
HK$29,481
baseline
▲ 0.50% · 4.625%
HK$31,035
+HK$1,554/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,962/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,325
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,331
−HK$1,022/mo
Today · 4.125%
HK$34,353
baseline
▲ 0.50% · 4.625%
HK$36,443
+HK$2,090/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,706/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,962
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,926
−HK$979/mo
Today · 4.125%
HK$37,905
baseline
▲ 0.50% · 4.625%
HK$39,903
+HK$1,998/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,810/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,271 · 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).