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$17,966
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,525
−HK$568/mo
Today · 4.125%
HK$19,093
baseline
▲ 0.50% · 4.625%
HK$20,254
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,186/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,987
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,523
−HK$544/mo
Today · 4.125%
HK$21,067
baseline
▲ 0.50% · 4.625%
HK$22,177
+HK$1,110/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,134/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,559
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,230
−HK$681/mo
Today · 4.125%
HK$22,911
baseline
▲ 0.50% · 4.625%
HK$24,305
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,822/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,984
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,628
−HK$652/mo
Today · 4.125%
HK$25,280
baseline
▲ 0.50% · 4.625%
HK$26,613
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,560/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,152
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,935
−HK$795/mo
Today · 4.125%
HK$26,730
baseline
▲ 0.50% · 4.625%
HK$28,356
+HK$1,626/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$53,460/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,982
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,732
−HK$761/mo
Today · 4.125%
HK$29,493
baseline
▲ 0.50% · 4.625%
HK$31,048
+HK$1,555/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$58,986/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,339
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,345
−HK$1,022/mo
Today · 4.125%
HK$34,367
baseline
▲ 0.50% · 4.625%
HK$36,458
+HK$2,091/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,734/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,976
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,941
−HK$979/mo
Today · 4.125%
HK$37,920
baseline
▲ 0.50% · 4.625%
HK$39,919
+HK$1,999/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,840/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,367 · 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).