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$17,993
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,553
−HK$569/mo
Today · 4.125%
HK$19,122
baseline
▲ 0.50% · 4.625%
HK$20,285
+HK$1,163/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,244/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,018
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,554
−HK$545/mo
Today · 4.125%
HK$21,099
baseline
▲ 0.50% · 4.625%
HK$22,211
+HK$1,112/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,198/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,592
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,264
−HK$682/mo
Today · 4.125%
HK$22,946
baseline
▲ 0.50% · 4.625%
HK$24,342
+HK$1,396/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$45,892/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,021
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,665
−HK$654/mo
Today · 4.125%
HK$25,319
baseline
▲ 0.50% · 4.625%
HK$26,653
+HK$1,334/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$50,638/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,191
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,974
−HK$797/mo
Today · 4.125%
HK$26,771
baseline
▲ 0.50% · 4.625%
HK$28,399
+HK$1,628/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,542/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,025
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,776
−HK$763/mo
Today · 4.125%
HK$29,539
baseline
▲ 0.50% · 4.625%
HK$31,096
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,078/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,388
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,396
−HK$1,023/mo
Today · 4.125%
HK$34,419
baseline
▲ 0.50% · 4.625%
HK$36,514
+HK$2,095/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,838/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,032
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,998
−HK$980/mo
Today · 4.125%
HK$37,978
baseline
▲ 0.50% · 4.625%
HK$39,980
+HK$2,002/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,956/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,730 · 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).