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$17,936
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,494
−HK$567/mo
Today · 4.125%
HK$19,061
baseline
▲ 0.50% · 4.625%
HK$20,220
+HK$1,159/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,122/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,953
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,489
−HK$542/mo
Today · 4.125%
HK$21,031
baseline
▲ 0.50% · 4.625%
HK$22,140
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,062/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,523
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,192
−HK$681/mo
Today · 4.125%
HK$22,873
baseline
▲ 0.50% · 4.625%
HK$24,264
+HK$1,391/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,746/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,944
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,586
−HK$652/mo
Today · 4.125%
HK$25,238
baseline
▲ 0.50% · 4.625%
HK$26,568
+HK$1,330/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,476/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,110
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,891
−HK$794/mo
Today · 4.125%
HK$26,685
baseline
▲ 0.50% · 4.625%
HK$28,309
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,370/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,935
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,684
−HK$760/mo
Today · 4.125%
HK$29,444
baseline
▲ 0.50% · 4.625%
HK$30,996
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,888/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,285
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,289
−HK$1,020/mo
Today · 4.125%
HK$34,309
baseline
▲ 0.50% · 4.625%
HK$36,397
+HK$2,088/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,618/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,916
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,879
−HK$978/mo
Today · 4.125%
HK$37,857
baseline
▲ 0.50% · 4.625%
HK$39,852
+HK$1,995/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,714/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,972 · 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).