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$17,984
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,543
−HK$568/mo
Today · 4.125%
HK$19,111
baseline
▲ 0.50% · 4.625%
HK$20,274
+HK$1,163/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,222/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,007
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,543
−HK$545/mo
Today · 4.125%
HK$21,088
baseline
▲ 0.50% · 4.625%
HK$22,199
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,176/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,580
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,252
−HK$682/mo
Today · 4.125%
HK$22,934
baseline
▲ 0.50% · 4.625%
HK$24,329
+HK$1,395/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,868/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,008
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,652
−HK$653/mo
Today · 4.125%
HK$25,305
baseline
▲ 0.50% · 4.625%
HK$26,639
+HK$1,334/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,610/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,177
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,960
−HK$796/mo
Today · 4.125%
HK$26,756
baseline
▲ 0.50% · 4.625%
HK$28,384
+HK$1,628/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,512/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,009
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,761
−HK$762/mo
Today · 4.125%
HK$29,523
baseline
▲ 0.50% · 4.625%
HK$31,079
+HK$1,556/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,046/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,371
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,378
−HK$1,023/mo
Today · 4.125%
HK$34,401
baseline
▲ 0.50% · 4.625%
HK$36,494
+HK$2,093/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,802/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,012
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,978
−HK$980/mo
Today · 4.125%
HK$37,958
baseline
▲ 0.50% · 4.625%
HK$39,958
+HK$2,000/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,916/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,602 · 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).