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$17,971
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,530
−HK$568/mo
Today · 4.125%
HK$19,098
baseline
▲ 0.50% · 4.625%
HK$20,260
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,196/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,992
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,529
−HK$544/mo
Today · 4.125%
HK$21,073
baseline
▲ 0.50% · 4.625%
HK$22,183
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,146/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,565
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,236
−HK$681/mo
Today · 4.125%
HK$22,917
baseline
▲ 0.50% · 4.625%
HK$24,312
+HK$1,395/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,834/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,991
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,634
−HK$653/mo
Today · 4.125%
HK$25,287
baseline
▲ 0.50% · 4.625%
HK$26,620
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,574/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,159
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,942
−HK$795/mo
Today · 4.125%
HK$26,737
baseline
▲ 0.50% · 4.625%
HK$28,364
+HK$1,627/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$53,474/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,989
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,740
−HK$762/mo
Today · 4.125%
HK$29,502
baseline
▲ 0.50% · 4.625%
HK$31,057
+HK$1,555/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$59,004/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,348
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,354
−HK$1,022/mo
Today · 4.125%
HK$34,376
baseline
▲ 0.50% · 4.625%
HK$36,468
+HK$2,092/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,752/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,986
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,951
−HK$980/mo
Today · 4.125%
HK$37,931
baseline
▲ 0.50% · 4.625%
HK$39,930
+HK$1,999/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,862/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,432 · 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).