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$17,983
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,542
−HK$568/mo
Today · 4.125%
HK$19,110
baseline
▲ 0.50% · 4.625%
HK$20,273
+HK$1,163/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,220/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,005
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,542
−HK$544/mo
Today · 4.125%
HK$21,086
baseline
▲ 0.50% · 4.625%
HK$22,198
+HK$1,112/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,172/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,579
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,250
−HK$682/mo
Today · 4.125%
HK$22,932
baseline
▲ 0.50% · 4.625%
HK$24,328
+HK$1,396/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,864/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,007
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,650
−HK$654/mo
Today · 4.125%
HK$25,304
baseline
▲ 0.50% · 4.625%
HK$26,637
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,608/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,176
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,959
−HK$795/mo
Today · 4.125%
HK$26,754
baseline
▲ 0.50% · 4.625%
HK$28,382
+HK$1,628/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,508/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,008
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,759
−HK$762/mo
Today · 4.125%
HK$29,521
baseline
▲ 0.50% · 4.625%
HK$31,077
+HK$1,556/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,042/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,369
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,376
−HK$1,022/mo
Today · 4.125%
HK$34,398
baseline
▲ 0.50% · 4.625%
HK$36,492
+HK$2,094/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,796/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,010
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,976
−HK$979/mo
Today · 4.125%
HK$37,955
baseline
▲ 0.50% · 4.625%
HK$39,956
+HK$2,001/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,910/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,587 · 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).