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$17,961
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,520
−HK$567/mo
Today · 4.125%
HK$19,087
baseline
▲ 0.50% · 4.625%
HK$20,249
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,174/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,982
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,518
−HK$543/mo
Today · 4.125%
HK$21,061
baseline
▲ 0.50% · 4.625%
HK$22,171
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,122/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,553
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,224
−HK$681/mo
Today · 4.125%
HK$22,905
baseline
▲ 0.50% · 4.625%
HK$24,299
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,810/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,978
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,621
−HK$652/mo
Today · 4.125%
HK$25,273
baseline
▲ 0.50% · 4.625%
HK$26,606
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,546/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,146
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,928
−HK$794/mo
Today · 4.125%
HK$26,722
baseline
▲ 0.50% · 4.625%
HK$28,348
+HK$1,626/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,444/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,974
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,725
−HK$761/mo
Today · 4.125%
HK$29,486
baseline
▲ 0.50% · 4.625%
HK$31,040
+HK$1,554/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,972/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,330
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,336
−HK$1,021/mo
Today · 4.125%
HK$34,357
baseline
▲ 0.50% · 4.625%
HK$36,448
+HK$2,091/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,714/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,967
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,932
−HK$978/mo
Today · 4.125%
HK$37,910
baseline
▲ 0.50% · 4.625%
HK$39,908
+HK$1,998/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,820/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,305 · 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).