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$1,129/mo
▼ 0.25% · 3.875%
HK$18,572
−HK$569/mo
Today · 4.125%
HK$19,141
baseline
▲ 0.50% · 4.625%
HK$20,306
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,282/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,038
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,575
−HK$545/mo
Today · 4.125%
HK$21,120
baseline
▲ 0.50% · 4.625%
HK$22,234
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,240/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,614
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,286
−HK$683/mo
Today · 4.125%
HK$22,969
baseline
▲ 0.50% · 4.625%
HK$24,367
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,938/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,045
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,690
−HK$655/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$236,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,216
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,001
−HK$797/mo
Today · 4.125%
HK$26,798
baseline
▲ 0.50% · 4.625%
HK$28,428
+HK$1,630/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$236,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,053
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,805
−HK$764/mo
Today · 4.125%
HK$29,569
baseline
▲ 0.50% · 4.625%
HK$31,127
+HK$1,558/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$236,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,421
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,430
−HK$1,024/mo
Today · 4.125%
HK$34,454
baseline
▲ 0.50% · 4.625%
HK$36,551
+HK$2,097/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,908/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,068
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,036
−HK$981/mo
Today · 4.125%
HK$38,017
baseline
▲ 0.50% · 4.625%
HK$40,021
+HK$2,004/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,034/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,971 · 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).