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$17,955
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,513
−HK$568/mo
Today · 4.125%
HK$19,081
baseline
▲ 0.50% · 4.625%
HK$20,242
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,162/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,974
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,510
−HK$544/mo
Today · 4.125%
HK$21,054
baseline
▲ 0.50% · 4.625%
HK$22,163
+HK$1,109/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,108/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,546
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,216
−HK$681/mo
Today · 4.125%
HK$22,897
baseline
▲ 0.50% · 4.625%
HK$24,290
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,794/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,969
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,612
−HK$652/mo
Today · 4.125%
HK$25,264
baseline
▲ 0.50% · 4.625%
HK$26,596
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,528/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,137
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,919
−HK$794/mo
Today · 4.125%
HK$26,713
baseline
▲ 0.50% · 4.625%
HK$28,338
+HK$1,625/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,426/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,964
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,714
−HK$761/mo
Today · 4.125%
HK$29,475
baseline
▲ 0.50% · 4.625%
HK$31,029
+HK$1,554/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,950/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,319
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,324
−HK$1,021/mo
Today · 4.125%
HK$34,345
baseline
▲ 0.50% · 4.625%
HK$36,435
+HK$2,090/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$68,690/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,954
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,918
−HK$979/mo
Today · 4.125%
HK$37,897
baseline
▲ 0.50% · 4.625%
HK$39,894
+HK$1,997/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$75,794/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,220 · 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).