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$17,965
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,523
−HK$568/mo
Today · 4.125%
HK$19,091
baseline
▲ 0.50% · 4.625%
HK$20,253
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,182/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,985
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,521
−HK$544/mo
Today · 4.125%
HK$21,065
baseline
▲ 0.50% · 4.625%
HK$22,176
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,130/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,558
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,228
−HK$681/mo
Today · 4.125%
HK$22,909
baseline
▲ 0.50% · 4.625%
HK$24,303
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,818/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,983
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,626
−HK$652/mo
Today · 4.125%
HK$25,278
baseline
▲ 0.50% · 4.625%
HK$26,611
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,556/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,150
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,933
−HK$795/mo
Today · 4.125%
HK$26,728
baseline
▲ 0.50% · 4.625%
HK$28,354
+HK$1,626/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,456/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,980
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,730
−HK$761/mo
Today · 4.125%
HK$29,491
baseline
▲ 0.50% · 4.625%
HK$31,046
+HK$1,555/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,982/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,336
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,342
−HK$1,022/mo
Today · 4.125%
HK$34,364
baseline
▲ 0.50% · 4.625%
HK$36,455
+HK$2,091/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,728/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,974
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,939
−HK$978/mo
Today · 4.125%
HK$37,917
baseline
▲ 0.50% · 4.625%
HK$39,916
+HK$1,999/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,834/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,350 · 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).