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$17,999
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,559
−HK$569/mo
Today · 4.125%
HK$19,128
baseline
▲ 0.50% · 4.625%
HK$20,292
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,256/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,024
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,561
−HK$545/mo
Today · 4.125%
HK$21,106
baseline
▲ 0.50% · 4.625%
HK$22,218
+HK$1,112/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,212/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,599
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,271
−HK$682/mo
Today · 4.125%
HK$22,953
baseline
▲ 0.50% · 4.625%
HK$24,350
+HK$1,397/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,906/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,029
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,673
−HK$654/mo
Today · 4.125%
HK$25,327
baseline
▲ 0.50% · 4.625%
HK$26,662
+HK$1,335/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,654/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,199
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,983
−HK$796/mo
Today · 4.125%
HK$26,779
baseline
▲ 0.50% · 4.625%
HK$28,408
+HK$1,629/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,558/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,033
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,785
−HK$763/mo
Today · 4.125%
HK$29,548
baseline
▲ 0.50% · 4.625%
HK$31,105
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,096/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,398
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,406
−HK$1,024/mo
Today · 4.125%
HK$34,430
baseline
▲ 0.50% · 4.625%
HK$36,525
+HK$2,095/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,860/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,043
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,010
−HK$980/mo
Today · 4.125%
HK$37,990
baseline
▲ 0.50% · 4.625%
HK$39,993
+HK$2,003/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,980/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,804 · 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).