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$17,994
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,554
−HK$569/mo
Today · 4.125%
HK$19,123
baseline
▲ 0.50% · 4.625%
HK$20,286
+HK$1,163/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,246/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,018
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,555
−HK$545/mo
Today · 4.125%
HK$21,100
baseline
▲ 0.50% · 4.625%
HK$22,212
+HK$1,112/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,200/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,593
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,265
−HK$682/mo
Today · 4.125%
HK$22,947
baseline
▲ 0.50% · 4.625%
HK$24,343
+HK$1,396/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$45,894/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,022
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,666
−HK$654/mo
Today · 4.125%
HK$25,320
baseline
▲ 0.50% · 4.625%
HK$26,655
+HK$1,335/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$50,640/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,192
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,976
−HK$796/mo
Today · 4.125%
HK$26,772
baseline
▲ 0.50% · 4.625%
HK$28,401
+HK$1,629/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,544/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,026
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,777
−HK$763/mo
Today · 4.125%
HK$29,540
baseline
▲ 0.50% · 4.625%
HK$31,097
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,080/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,390
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,397
−HK$1,024/mo
Today · 4.125%
HK$34,421
baseline
▲ 0.50% · 4.625%
HK$36,515
+HK$2,094/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,842/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,033
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,000
−HK$980/mo
Today · 4.125%
HK$37,980
baseline
▲ 0.50% · 4.625%
HK$39,982
+HK$2,002/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,960/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,740 · 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).