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$18,007
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,567
−HK$569/mo
Today · 4.125%
HK$19,136
baseline
▲ 0.50% · 4.625%
HK$20,301
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,272/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,033
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,570
−HK$545/mo
Today · 4.125%
HK$21,115
baseline
▲ 0.50% · 4.625%
HK$22,228
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,230/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,609
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,281
−HK$683/mo
Today · 4.125%
HK$22,964
baseline
▲ 0.50% · 4.625%
HK$24,361
+HK$1,397/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,928/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,039
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,684
−HK$654/mo
Today · 4.125%
HK$25,338
baseline
▲ 0.50% · 4.625%
HK$26,674
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,676/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,210
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,994
−HK$797/mo
Today · 4.125%
HK$26,791
baseline
▲ 0.50% · 4.625%
HK$28,421
+HK$1,630/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,582/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,046
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,798
−HK$763/mo
Today · 4.125%
HK$29,561
baseline
▲ 0.50% · 4.625%
HK$31,119
+HK$1,558/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,122/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,413
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,421
−HK$1,025/mo
Today · 4.125%
HK$34,446
baseline
▲ 0.50% · 4.625%
HK$36,541
+HK$2,095/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,892/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,059
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,026
−HK$981/mo
Today · 4.125%
HK$38,007
baseline
▲ 0.50% · 4.625%
HK$40,011
+HK$2,004/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,014/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,911 · 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).