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$17,954
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,512
−HK$568/mo
Today · 4.125%
HK$19,080
baseline
▲ 0.50% · 4.625%
HK$20,241
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,160/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,973
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,509
−HK$544/mo
Today · 4.125%
HK$21,053
baseline
▲ 0.50% · 4.625%
HK$22,162
+HK$1,109/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,106/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,545
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,215
−HK$681/mo
Today · 4.125%
HK$22,896
baseline
▲ 0.50% · 4.625%
HK$24,289
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,792/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,968
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,611
−HK$652/mo
Today · 4.125%
HK$25,263
baseline
▲ 0.50% · 4.625%
HK$26,595
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,526/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,135
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,917
−HK$795/mo
Today · 4.125%
HK$26,712
baseline
▲ 0.50% · 4.625%
HK$28,337
+HK$1,625/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,424/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,963
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,713
−HK$761/mo
Today · 4.125%
HK$29,474
baseline
▲ 0.50% · 4.625%
HK$31,027
+HK$1,553/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,948/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,317
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,322
−HK$1,021/mo
Today · 4.125%
HK$34,343
baseline
▲ 0.50% · 4.625%
HK$36,433
+HK$2,090/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$68,686/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,952
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,916
−HK$979/mo
Today · 4.125%
HK$37,895
baseline
▲ 0.50% · 4.625%
HK$39,892
+HK$1,997/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$75,790/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,208 · 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).