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$17,979
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,538
−HK$569/mo
Today · 4.125%
HK$19,107
baseline
▲ 0.50% · 4.625%
HK$20,269
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,214/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,002
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,538
−HK$544/mo
Today · 4.125%
HK$21,082
baseline
▲ 0.50% · 4.625%
HK$22,194
+HK$1,112/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,164/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,575
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,246
−HK$682/mo
Today · 4.125%
HK$22,928
baseline
▲ 0.50% · 4.625%
HK$24,323
+HK$1,395/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,856/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,002
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,646
−HK$653/mo
Today · 4.125%
HK$25,299
baseline
▲ 0.50% · 4.625%
HK$26,632
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,598/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,171
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,954
−HK$795/mo
Today · 4.125%
HK$26,749
baseline
▲ 0.50% · 4.625%
HK$28,377
+HK$1,628/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,498/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,002
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,753
−HK$762/mo
Today · 4.125%
HK$29,515
baseline
▲ 0.50% · 4.625%
HK$31,071
+HK$1,556/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,030/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,362
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,369
−HK$1,023/mo
Today · 4.125%
HK$34,392
baseline
▲ 0.50% · 4.625%
HK$36,485
+HK$2,093/mo
Deposit HK$788K · loan HK$7.10M · min. income ≈ HK$68,784/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,003
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,969
−HK$979/mo
Today · 4.125%
HK$37,948
baseline
▲ 0.50% · 4.625%
HK$39,948
+HK$2,000/mo
Deposit HK$788K · loan HK$7.10M · min. income ≈ HK$75,896/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,542 · 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).