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$17,940
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,498
−HK$567/mo
Today · 4.125%
HK$19,065
baseline
▲ 0.50% · 4.625%
HK$20,225
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,130/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,958
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,493
−HK$543/mo
Today · 4.125%
HK$21,036
baseline
▲ 0.50% · 4.625%
HK$22,145
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,072/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,528
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,197
−HK$681/mo
Today · 4.125%
HK$22,878
baseline
▲ 0.50% · 4.625%
HK$24,270
+HK$1,392/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,756/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,949
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,592
−HK$651/mo
Today · 4.125%
HK$25,243
baseline
▲ 0.50% · 4.625%
HK$26,574
+HK$1,331/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,486/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,116
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,897
−HK$794/mo
Today · 4.125%
HK$26,691
baseline
▲ 0.50% · 4.625%
HK$28,315
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,382/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,941
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,690
−HK$761/mo
Today · 4.125%
HK$29,451
baseline
▲ 0.50% · 4.625%
HK$31,003
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,902/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,292
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,296
−HK$1,021/mo
Today · 4.125%
HK$34,317
baseline
▲ 0.50% · 4.625%
HK$36,405
+HK$2,088/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,634/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,924
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,888
−HK$977/mo
Today · 4.125%
HK$37,865
baseline
▲ 0.50% · 4.625%
HK$39,861
+HK$1,996/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,730/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,024 · 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).