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$18,013
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,574
−HK$569/mo
Today · 4.125%
HK$19,143
baseline
▲ 0.50% · 4.625%
HK$20,308
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,286/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,040
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,577
−HK$545/mo
Today · 4.125%
HK$21,122
baseline
▲ 0.50% · 4.625%
HK$22,236
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,244/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,616
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,288
−HK$683/mo
Today · 4.125%
HK$22,971
baseline
▲ 0.50% · 4.625%
HK$24,369
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,942/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,047
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,692
−HK$655/mo
Today · 4.125%
HK$25,347
baseline
▲ 0.50% · 4.625%
HK$26,683
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,694/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,218
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,003
−HK$797/mo
Today · 4.125%
HK$26,800
baseline
▲ 0.50% · 4.625%
HK$28,431
+HK$1,631/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,600/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,055
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,808
−HK$763/mo
Today · 4.125%
HK$29,571
baseline
▲ 0.50% · 4.625%
HK$31,130
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,142/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,424
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,432
−HK$1,025/mo
Today · 4.125%
HK$34,457
baseline
▲ 0.50% · 4.625%
HK$36,554
+HK$2,097/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,914/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,071
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,039
−HK$981/mo
Today · 4.125%
HK$38,020
baseline
▲ 0.50% · 4.625%
HK$40,024
+HK$2,004/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,040/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,990 · 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).