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$18,024
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,585
−HK$570/mo
Today · 4.125%
HK$19,155
baseline
▲ 0.50% · 4.625%
HK$20,320
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,310/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,052
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,590
−HK$545/mo
Today · 4.125%
HK$21,135
baseline
▲ 0.50% · 4.625%
HK$22,249
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,270/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,629
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,302
−HK$683/mo
Today · 4.125%
HK$22,985
baseline
▲ 0.50% · 4.625%
HK$24,384
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,970/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,062
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,708
−HK$654/mo
Today · 4.125%
HK$25,362
baseline
▲ 0.50% · 4.625%
HK$26,699
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,724/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,234
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,019
−HK$797/mo
Today · 4.125%
HK$26,816
baseline
▲ 0.50% · 4.625%
HK$28,448
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,632/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,073
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,825
−HK$764/mo
Today · 4.125%
HK$29,589
baseline
▲ 0.50% · 4.625%
HK$31,149
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,178/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,444
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,453
−HK$1,025/mo
Today · 4.125%
HK$34,478
baseline
▲ 0.50% · 4.625%
HK$36,576
+HK$2,098/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,956/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,093
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,061
−HK$982/mo
Today · 4.125%
HK$38,043
baseline
▲ 0.50% · 4.625%
HK$40,049
+HK$2,006/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,086/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,135 · 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).