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$17,962
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,521
−HK$568/mo
Today · 4.125%
HK$19,089
baseline
▲ 0.50% · 4.625%
HK$20,250
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,178/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,983
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,519
−HK$543/mo
Today · 4.125%
HK$21,062
baseline
▲ 0.50% · 4.625%
HK$22,173
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,124/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,555
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,225
−HK$681/mo
Today · 4.125%
HK$22,906
baseline
▲ 0.50% · 4.625%
HK$24,300
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,812/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,979
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,622
−HK$653/mo
Today · 4.125%
HK$25,275
baseline
▲ 0.50% · 4.625%
HK$26,607
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,550/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,147
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,929
−HK$795/mo
Today · 4.125%
HK$26,724
baseline
▲ 0.50% · 4.625%
HK$28,350
+HK$1,626/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,448/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,976
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,726
−HK$761/mo
Today · 4.125%
HK$29,487
baseline
▲ 0.50% · 4.625%
HK$31,042
+HK$1,555/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,974/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,332
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,338
−HK$1,021/mo
Today · 4.125%
HK$34,359
baseline
▲ 0.50% · 4.625%
HK$36,450
+HK$2,091/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,718/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,969
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,934
−HK$978/mo
Today · 4.125%
HK$37,912
baseline
▲ 0.50% · 4.625%
HK$39,911
+HK$1,999/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,824/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,319 · 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).