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$17,960
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,519
−HK$567/mo
Today · 4.125%
HK$19,086
baseline
▲ 0.50% · 4.625%
HK$20,248
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,172/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,981
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,516
−HK$544/mo
Today · 4.125%
HK$21,060
baseline
▲ 0.50% · 4.625%
HK$22,170
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,120/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,552
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,223
−HK$681/mo
Today · 4.125%
HK$22,904
baseline
▲ 0.50% · 4.625%
HK$24,297
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,808/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,977
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,620
−HK$652/mo
Today · 4.125%
HK$25,272
baseline
▲ 0.50% · 4.625%
HK$26,604
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,544/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,144
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,926
−HK$795/mo
Today · 4.125%
HK$26,721
baseline
▲ 0.50% · 4.625%
HK$28,347
+HK$1,626/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,442/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,973
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,723
−HK$761/mo
Today · 4.125%
HK$29,484
baseline
▲ 0.50% · 4.625%
HK$31,038
+HK$1,554/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,968/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,328
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,334
−HK$1,022/mo
Today · 4.125%
HK$34,356
baseline
▲ 0.50% · 4.625%
HK$36,446
+HK$2,090/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,712/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,965
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,930
−HK$978/mo
Today · 4.125%
HK$37,908
baseline
▲ 0.50% · 4.625%
HK$39,906
+HK$1,998/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,816/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,292 · 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).