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$17,963
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,522
−HK$567/mo
Today · 4.125%
HK$19,089
baseline
▲ 0.50% · 4.625%
HK$20,251
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,178/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,984
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,520
−HK$543/mo
Today · 4.125%
HK$21,063
baseline
▲ 0.50% · 4.625%
HK$22,174
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,126/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,556
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,226
−HK$681/mo
Today · 4.125%
HK$22,907
baseline
▲ 0.50% · 4.625%
HK$24,301
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,814/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,980
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,624
−HK$652/mo
Today · 4.125%
HK$25,276
baseline
▲ 0.50% · 4.625%
HK$26,608
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,552/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,148
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,930
−HK$795/mo
Today · 4.125%
HK$26,725
baseline
▲ 0.50% · 4.625%
HK$28,351
+HK$1,626/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,450/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,977
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,728
−HK$761/mo
Today · 4.125%
HK$29,489
baseline
▲ 0.50% · 4.625%
HK$31,043
+HK$1,554/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,978/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,333
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,339
−HK$1,022/mo
Today · 4.125%
HK$34,361
baseline
▲ 0.50% · 4.625%
HK$36,452
+HK$2,091/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,722/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,971
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$36,935
−HK$979/mo
Today · 4.125%
HK$37,914
baseline
▲ 0.50% · 4.625%
HK$39,913
+HK$1,999/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,828/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,330 · 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).