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$17,992
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,552
−HK$568/mo
Today · 4.125%
HK$19,120
baseline
▲ 0.50% · 4.625%
HK$20,284
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,240/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,016
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,553
−HK$544/mo
Today · 4.125%
HK$21,097
baseline
▲ 0.50% · 4.625%
HK$22,209
+HK$1,112/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,194/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,590
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,262
−HK$682/mo
Today · 4.125%
HK$22,944
baseline
▲ 0.50% · 4.625%
HK$24,340
+HK$1,396/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$45,888/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,019
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,663
−HK$654/mo
Today · 4.125%
HK$25,317
baseline
▲ 0.50% · 4.625%
HK$26,651
+HK$1,334/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$50,634/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,189
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,972
−HK$796/mo
Today · 4.125%
HK$26,768
baseline
▲ 0.50% · 4.625%
HK$28,397
+HK$1,629/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,536/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,022
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,774
−HK$762/mo
Today · 4.125%
HK$29,536
baseline
▲ 0.50% · 4.625%
HK$31,093
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,072/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,386
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,393
−HK$1,023/mo
Today · 4.125%
HK$34,416
baseline
▲ 0.50% · 4.625%
HK$36,511
+HK$2,095/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,832/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,029
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,995
−HK$980/mo
Today · 4.125%
HK$37,975
baseline
▲ 0.50% · 4.625%
HK$39,977
+HK$2,002/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,950/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,711 · 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).