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$17,997
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,557
−HK$568/mo
Today · 4.125%
HK$19,125
baseline
▲ 0.50% · 4.625%
HK$20,289
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,250/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,021
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,558
−HK$545/mo
Today · 4.125%
HK$21,103
baseline
▲ 0.50% · 4.625%
HK$22,215
+HK$1,112/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,206/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,596
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,268
−HK$682/mo
Today · 4.125%
HK$22,950
baseline
▲ 0.50% · 4.625%
HK$24,347
+HK$1,397/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,900/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,025
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,670
−HK$654/mo
Today · 4.125%
HK$25,324
baseline
▲ 0.50% · 4.625%
HK$26,658
+HK$1,334/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,648/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,195
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,979
−HK$796/mo
Today · 4.125%
HK$26,775
baseline
▲ 0.50% · 4.625%
HK$28,405
+HK$1,630/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,550/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,030
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,781
−HK$763/mo
Today · 4.125%
HK$29,544
baseline
▲ 0.50% · 4.625%
HK$31,101
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,088/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,394
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,402
−HK$1,024/mo
Today · 4.125%
HK$34,426
baseline
▲ 0.50% · 4.625%
HK$36,520
+HK$2,094/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,852/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,038
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,005
−HK$980/mo
Today · 4.125%
HK$37,985
baseline
▲ 0.50% · 4.625%
HK$39,988
+HK$2,003/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,970/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,774 · 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).