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$17,975
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,535
−HK$568/mo
Today · 4.125%
HK$19,103
baseline
▲ 0.50% · 4.625%
HK$20,265
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,206/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,997
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,534
−HK$544/mo
Today · 4.125%
HK$21,078
baseline
▲ 0.50% · 4.625%
HK$22,189
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,156/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,571
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,241
−HK$682/mo
Today · 4.125%
HK$22,923
baseline
▲ 0.50% · 4.625%
HK$24,318
+HK$1,395/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,846/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,997
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,641
−HK$652/mo
Today · 4.125%
HK$25,293
baseline
▲ 0.50% · 4.625%
HK$26,627
+HK$1,334/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,586/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,166
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,948
−HK$796/mo
Today · 4.125%
HK$26,744
baseline
▲ 0.50% · 4.625%
HK$28,371
+HK$1,627/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$53,488/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,996
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,747
−HK$762/mo
Today · 4.125%
HK$29,509
baseline
▲ 0.50% · 4.625%
HK$31,064
+HK$1,555/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$59,018/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,356
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,362
−HK$1,023/mo
Today · 4.125%
HK$34,385
baseline
▲ 0.50% · 4.625%
HK$36,477
+HK$2,092/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,770/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,995
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,961
−HK$979/mo
Today · 4.125%
HK$37,940
baseline
▲ 0.50% · 4.625%
HK$39,940
+HK$2,000/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,880/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,493 · 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).