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$17,952
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,511
−HK$567/mo
Today · 4.125%
HK$19,078
baseline
▲ 0.50% · 4.625%
HK$20,239
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,156/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,972
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,507
−HK$544/mo
Today · 4.125%
HK$21,051
baseline
▲ 0.50% · 4.625%
HK$22,160
+HK$1,109/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,102/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,543
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,213
−HK$681/mo
Today · 4.125%
HK$22,894
baseline
▲ 0.50% · 4.625%
HK$24,287
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,788/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,966
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,609
−HK$652/mo
Today · 4.125%
HK$25,261
baseline
▲ 0.50% · 4.625%
HK$26,592
+HK$1,331/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,522/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,133
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,915
−HK$794/mo
Today · 4.125%
HK$26,709
baseline
▲ 0.50% · 4.625%
HK$28,334
+HK$1,625/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,418/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,960
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,710
−HK$761/mo
Today · 4.125%
HK$29,471
baseline
▲ 0.50% · 4.625%
HK$31,025
+HK$1,554/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,942/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,314
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$33,319
−HK$1,021/mo
Today · 4.125%
HK$34,340
baseline
▲ 0.50% · 4.625%
HK$36,430
+HK$2,090/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$68,680/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,949
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,913
−HK$978/mo
Today · 4.125%
HK$37,891
baseline
▲ 0.50% · 4.625%
HK$39,889
+HK$1,998/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$75,782/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,188 · 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).