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$18,018
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,578
−HK$570/mo
Today · 4.125%
HK$19,148
baseline
▲ 0.50% · 4.625%
HK$20,313
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,296/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,044
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,582
−HK$545/mo
Today · 4.125%
HK$21,127
baseline
▲ 0.50% · 4.625%
HK$22,241
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,254/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,621
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,294
−HK$683/mo
Today · 4.125%
HK$22,977
baseline
▲ 0.50% · 4.625%
HK$24,375
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,954/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,053
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,698
−HK$655/mo
Today · 4.125%
HK$25,353
baseline
▲ 0.50% · 4.625%
HK$26,689
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,706/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,225
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,009
−HK$798/mo
Today · 4.125%
HK$26,807
baseline
▲ 0.50% · 4.625%
HK$28,438
+HK$1,631/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,614/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,062
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,815
−HK$763/mo
Today · 4.125%
HK$29,578
baseline
▲ 0.50% · 4.625%
HK$31,137
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,156/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,432
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,441
−HK$1,025/mo
Today · 4.125%
HK$34,466
baseline
▲ 0.50% · 4.625%
HK$36,563
+HK$2,097/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,932/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,080
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,048
−HK$981/mo
Today · 4.125%
HK$38,029
baseline
▲ 0.50% · 4.625%
HK$40,034
+HK$2,005/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,058/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,048 · 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).