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$18,000
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,560
−HK$569/mo
Today · 4.125%
HK$19,129
baseline
▲ 0.50% · 4.625%
HK$20,293
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,258/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,025
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,562
−HK$545/mo
Today · 4.125%
HK$21,107
baseline
▲ 0.50% · 4.625%
HK$22,220
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,214/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,601
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,272
−HK$683/mo
Today · 4.125%
HK$22,955
baseline
▲ 0.50% · 4.625%
HK$24,352
+HK$1,397/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,910/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,030
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,675
−HK$654/mo
Today · 4.125%
HK$25,329
baseline
▲ 0.50% · 4.625%
HK$26,664
+HK$1,335/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,658/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,201
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,984
−HK$797/mo
Today · 4.125%
HK$26,781
baseline
▲ 0.50% · 4.625%
HK$28,410
+HK$1,629/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,562/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,035
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,787
−HK$763/mo
Today · 4.125%
HK$29,550
baseline
▲ 0.50% · 4.625%
HK$31,108
+HK$1,558/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,100/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,401
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,409
−HK$1,024/mo
Today · 4.125%
HK$34,433
baseline
▲ 0.50% · 4.625%
HK$36,528
+HK$2,095/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,866/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,046
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,012
−HK$981/mo
Today · 4.125%
HK$37,993
baseline
▲ 0.50% · 4.625%
HK$39,996
+HK$2,003/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,986/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,822 · 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).