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$17,998
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,558
−HK$569/mo
Today · 4.125%
HK$19,127
baseline
▲ 0.50% · 4.625%
HK$20,291
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,254/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,023
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,560
−HK$545/mo
Today · 4.125%
HK$21,105
baseline
▲ 0.50% · 4.625%
HK$22,217
+HK$1,112/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,210/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,598
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,270
−HK$682/mo
Today · 4.125%
HK$22,952
baseline
▲ 0.50% · 4.625%
HK$24,349
+HK$1,397/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,904/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,027
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,672
−HK$654/mo
Today · 4.125%
HK$25,326
baseline
▲ 0.50% · 4.625%
HK$26,661
+HK$1,335/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,652/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,198
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,981
−HK$797/mo
Today · 4.125%
HK$26,778
baseline
▲ 0.50% · 4.625%
HK$28,407
+HK$1,629/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,556/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,032
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,784
−HK$763/mo
Today · 4.125%
HK$29,547
baseline
▲ 0.50% · 4.625%
HK$31,104
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,094/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,397
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,405
−HK$1,023/mo
Today · 4.125%
HK$34,428
baseline
▲ 0.50% · 4.625%
HK$36,523
+HK$2,095/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,856/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,041
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,008
−HK$980/mo
Today · 4.125%
HK$37,988
baseline
▲ 0.50% · 4.625%
HK$39,991
+HK$2,003/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,976/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,793 · 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).