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$18,010
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,571
−HK$569/mo
Today · 4.125%
HK$19,140
baseline
▲ 0.50% · 4.625%
HK$20,304
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,280/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,036
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,574
−HK$545/mo
Today · 4.125%
HK$21,119
baseline
▲ 0.50% · 4.625%
HK$22,232
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,238/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,612
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,285
−HK$683/mo
Today · 4.125%
HK$22,968
baseline
▲ 0.50% · 4.625%
HK$24,365
+HK$1,397/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,936/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,044
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,688
−HK$655/mo
Today · 4.125%
HK$25,343
baseline
▲ 0.50% · 4.625%
HK$26,678
+HK$1,335/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,686/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,214
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$25,999
−HK$797/mo
Today · 4.125%
HK$26,796
baseline
▲ 0.50% · 4.625%
HK$28,426
+HK$1,630/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,592/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,051
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,803
−HK$763/mo
Today · 4.125%
HK$29,566
baseline
▲ 0.50% · 4.625%
HK$31,125
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,132/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,419
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,427
−HK$1,024/mo
Today · 4.125%
HK$34,451
baseline
▲ 0.50% · 4.625%
HK$36,548
+HK$2,097/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,902/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,065
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,033
−HK$981/mo
Today · 4.125%
HK$38,014
baseline
▲ 0.50% · 4.625%
HK$40,018
+HK$2,004/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,028/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,951 · 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).