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$18,005
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,565
−HK$569/mo
Today · 4.125%
HK$19,134
baseline
▲ 0.50% · 4.625%
HK$20,299
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,268/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,031
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,568
−HK$545/mo
Today · 4.125%
HK$21,113
baseline
▲ 0.50% · 4.625%
HK$22,226
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,226/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,606
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,278
−HK$683/mo
Today · 4.125%
HK$22,961
baseline
▲ 0.50% · 4.625%
HK$24,358
+HK$1,397/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,922/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,037
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,681
−HK$654/mo
Today · 4.125%
HK$25,335
baseline
▲ 0.50% · 4.625%
HK$26,671
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,670/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,207
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,991
−HK$797/mo
Today · 4.125%
HK$26,788
baseline
▲ 0.50% · 4.625%
HK$28,418
+HK$1,630/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,576/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,043
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,795
−HK$763/mo
Today · 4.125%
HK$29,558
baseline
▲ 0.50% · 4.625%
HK$31,116
+HK$1,558/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,116/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,409
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,418
−HK$1,024/mo
Today · 4.125%
HK$34,442
baseline
▲ 0.50% · 4.625%
HK$36,537
+HK$2,095/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,884/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,055
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,022
−HK$981/mo
Today · 4.125%
HK$38,003
baseline
▲ 0.50% · 4.625%
HK$40,006
+HK$2,003/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,006/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,885 · 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).