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$17,978
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,538
−HK$568/mo
Today · 4.125%
HK$19,106
baseline
▲ 0.50% · 4.625%
HK$20,268
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,212/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,001
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,537
−HK$544/mo
Today · 4.125%
HK$21,081
baseline
▲ 0.50% · 4.625%
HK$22,193
+HK$1,112/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,162/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,574
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,245
−HK$682/mo
Today · 4.125%
HK$22,927
baseline
▲ 0.50% · 4.625%
HK$24,322
+HK$1,395/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,854/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,001
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,645
−HK$653/mo
Today · 4.125%
HK$25,298
baseline
▲ 0.50% · 4.625%
HK$26,631
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,596/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,170
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,953
−HK$795/mo
Today · 4.125%
HK$26,748
baseline
▲ 0.50% · 4.625%
HK$28,376
+HK$1,628/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,496/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,001
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,752
−HK$762/mo
Today · 4.125%
HK$29,514
baseline
▲ 0.50% · 4.625%
HK$31,070
+HK$1,556/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,028/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,361
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,368
−HK$1,022/mo
Today · 4.125%
HK$34,390
baseline
▲ 0.50% · 4.625%
HK$36,483
+HK$2,093/mo
Deposit HK$788K · loan HK$7.10M · min. income ≈ HK$68,780/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,001
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,967
−HK$979/mo
Today · 4.125%
HK$37,946
baseline
▲ 0.50% · 4.625%
HK$39,947
+HK$2,001/mo
Deposit HK$788K · loan HK$7.10M · min. income ≈ HK$75,892/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,531 · 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).