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$17,939
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,497
−HK$567/mo
Today · 4.125%
HK$19,064
baseline
▲ 0.50% · 4.625%
HK$20,224
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,128/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,957
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,492
−HK$543/mo
Today · 4.125%
HK$21,035
baseline
▲ 0.50% · 4.625%
HK$22,144
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,070/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,527
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,196
−HK$681/mo
Today · 4.125%
HK$22,877
baseline
▲ 0.50% · 4.625%
HK$24,269
+HK$1,392/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,754/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,948
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,591
−HK$651/mo
Today · 4.125%
HK$25,242
baseline
▲ 0.50% · 4.625%
HK$26,573
+HK$1,331/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,484/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,115
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,896
−HK$794/mo
Today · 4.125%
HK$26,690
baseline
▲ 0.50% · 4.625%
HK$28,314
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,380/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,940
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,689
−HK$760/mo
Today · 4.125%
HK$29,449
baseline
▲ 0.50% · 4.625%
HK$31,002
+HK$1,553/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,898/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,290
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,295
−HK$1,020/mo
Today · 4.125%
HK$34,315
baseline
▲ 0.50% · 4.625%
HK$36,403
+HK$2,088/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,630/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,923
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,886
−HK$977/mo
Today · 4.125%
HK$37,863
baseline
▲ 0.50% · 4.625%
HK$39,859
+HK$1,996/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,726/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,014 · 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).