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$18,012
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,572
−HK$570/mo
Today · 4.125%
HK$19,142
baseline
▲ 0.50% · 4.625%
HK$20,306
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,284/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,038
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,576
−HK$545/mo
Today · 4.125%
HK$21,121
baseline
▲ 0.50% · 4.625%
HK$22,234
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,242/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,615
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,287
−HK$683/mo
Today · 4.125%
HK$22,970
baseline
▲ 0.50% · 4.625%
HK$24,368
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,940/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,046
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,691
−HK$654/mo
Today · 4.125%
HK$25,345
baseline
▲ 0.50% · 4.625%
HK$26,681
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,690/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,217
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$26,001
−HK$797/mo
Today · 4.125%
HK$26,798
baseline
▲ 0.50% · 4.625%
HK$28,429
+HK$1,631/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,596/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,054
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,806
−HK$763/mo
Today · 4.125%
HK$29,569
baseline
▲ 0.50% · 4.625%
HK$31,128
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,138/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,422
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,430
−HK$1,025/mo
Today · 4.125%
HK$34,455
baseline
▲ 0.50% · 4.625%
HK$36,552
+HK$2,097/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,910/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,069
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,036
−HK$982/mo
Today · 4.125%
HK$38,018
baseline
▲ 0.50% · 4.625%
HK$40,022
+HK$2,004/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,036/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,977 · 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).