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$17,944
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,502
−HK$567/mo
Today · 4.125%
HK$19,069
baseline
▲ 0.50% · 4.625%
HK$20,230
+HK$1,161/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,138/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,963
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,498
−HK$543/mo
Today · 4.125%
HK$21,041
baseline
▲ 0.50% · 4.625%
HK$22,150
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,082/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,533
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,203
−HK$680/mo
Today · 4.125%
HK$22,883
baseline
▲ 0.50% · 4.625%
HK$24,276
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,766/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,955
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,598
−HK$652/mo
Today · 4.125%
HK$25,250
baseline
▲ 0.50% · 4.625%
HK$26,580
+HK$1,330/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,500/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,122
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,903
−HK$794/mo
Today · 4.125%
HK$26,697
baseline
▲ 0.50% · 4.625%
HK$28,322
+HK$1,625/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,394/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,948
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,697
−HK$761/mo
Today · 4.125%
HK$29,458
baseline
▲ 0.50% · 4.625%
HK$31,011
+HK$1,553/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,916/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,300
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,304
−HK$1,021/mo
Today · 4.125%
HK$34,325
baseline
▲ 0.50% · 4.625%
HK$36,414
+HK$2,089/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,650/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,933
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,897
−HK$977/mo
Today · 4.125%
HK$37,874
baseline
▲ 0.50% · 4.625%
HK$39,871
+HK$1,997/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,748/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,082 · 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).