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$17,968
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,527
−HK$568/mo
Today · 4.125%
HK$19,095
baseline
▲ 0.50% · 4.625%
HK$20,257
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,190/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,989
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,525
−HK$544/mo
Today · 4.125%
HK$21,069
baseline
▲ 0.50% · 4.625%
HK$22,180
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,138/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,562
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,232
−HK$682/mo
Today · 4.125%
HK$22,914
baseline
▲ 0.50% · 4.625%
HK$24,308
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,828/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,987
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,631
−HK$652/mo
Today · 4.125%
HK$25,283
baseline
▲ 0.50% · 4.625%
HK$26,616
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,566/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,155
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,938
−HK$795/mo
Today · 4.125%
HK$26,733
baseline
▲ 0.50% · 4.625%
HK$28,360
+HK$1,627/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$53,466/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,985
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,736
−HK$761/mo
Today · 4.125%
HK$29,497
baseline
▲ 0.50% · 4.625%
HK$31,052
+HK$1,555/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$58,994/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,343
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,349
−HK$1,022/mo
Today · 4.125%
HK$34,371
baseline
▲ 0.50% · 4.625%
HK$36,462
+HK$2,091/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,742/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,981
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,946
−HK$979/mo
Today · 4.125%
HK$37,925
baseline
▲ 0.50% · 4.625%
HK$39,924
+HK$1,999/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,850/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,397 · 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).