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$17,967
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,526
−HK$568/mo
Today · 4.125%
HK$19,094
baseline
▲ 0.50% · 4.625%
HK$20,256
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,188/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,989
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,525
−HK$544/mo
Today · 4.125%
HK$21,069
baseline
▲ 0.50% · 4.625%
HK$22,179
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,138/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,561
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,232
−HK$681/mo
Today · 4.125%
HK$22,913
baseline
▲ 0.50% · 4.625%
HK$24,307
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,826/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,986
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,630
−HK$652/mo
Today · 4.125%
HK$25,282
baseline
▲ 0.50% · 4.625%
HK$26,615
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,564/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,154
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,937
−HK$795/mo
Today · 4.125%
HK$26,732
baseline
▲ 0.50% · 4.625%
HK$28,358
+HK$1,626/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$53,464/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,984
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,735
−HK$761/mo
Today · 4.125%
HK$29,496
baseline
▲ 0.50% · 4.625%
HK$31,051
+HK$1,555/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$58,992/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,341
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,347
−HK$1,023/mo
Today · 4.125%
HK$34,370
baseline
▲ 0.50% · 4.625%
HK$36,461
+HK$2,091/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,740/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,980
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,944
−HK$979/mo
Today · 4.125%
HK$37,923
baseline
▲ 0.50% · 4.625%
HK$39,922
+HK$1,999/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,846/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,388 · 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).