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$17,975
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,534
−HK$568/mo
Today · 4.125%
HK$19,102
baseline
▲ 0.50% · 4.625%
HK$20,265
+HK$1,163/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,204/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,997
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,533
−HK$544/mo
Today · 4.125%
HK$21,077
baseline
▲ 0.50% · 4.625%
HK$22,188
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,154/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,570
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,241
−HK$682/mo
Today · 4.125%
HK$22,923
baseline
▲ 0.50% · 4.625%
HK$24,317
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,846/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,996
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,640
−HK$653/mo
Today · 4.125%
HK$25,293
baseline
▲ 0.50% · 4.625%
HK$26,626
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,586/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,165
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,948
−HK$795/mo
Today · 4.125%
HK$26,743
baseline
▲ 0.50% · 4.625%
HK$28,370
+HK$1,627/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$53,486/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,996
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,747
−HK$761/mo
Today · 4.125%
HK$29,508
baseline
▲ 0.50% · 4.625%
HK$31,064
+HK$1,556/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$59,016/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,355
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,361
−HK$1,023/mo
Today · 4.125%
HK$34,384
baseline
▲ 0.50% · 4.625%
HK$36,476
+HK$2,092/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,768/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,995
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,960
−HK$979/mo
Today · 4.125%
HK$37,939
baseline
▲ 0.50% · 4.625%
HK$39,939
+HK$2,000/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,878/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,487 · 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).