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$18,009
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,569
−HK$569/mo
Today · 4.125%
HK$19,138
baseline
▲ 0.50% · 4.625%
HK$20,303
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,276/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,035
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,572
−HK$545/mo
Today · 4.125%
HK$21,117
baseline
▲ 0.50% · 4.625%
HK$22,231
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,234/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,611
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,283
−HK$683/mo
Today · 4.125%
HK$22,966
baseline
▲ 0.50% · 4.625%
HK$24,364
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,932/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,042
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,687
−HK$654/mo
Today · 4.125%
HK$25,341
baseline
▲ 0.50% · 4.625%
HK$26,677
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,682/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,213
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,997
−HK$797/mo
Today · 4.125%
HK$26,794
baseline
▲ 0.50% · 4.625%
HK$28,424
+HK$1,630/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,588/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,049
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,801
−HK$763/mo
Today · 4.125%
HK$29,564
baseline
▲ 0.50% · 4.625%
HK$31,123
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,128/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,416
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,425
−HK$1,024/mo
Today · 4.125%
HK$34,449
baseline
▲ 0.50% · 4.625%
HK$36,545
+HK$2,096/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,898/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,063
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,030
−HK$981/mo
Today · 4.125%
HK$38,011
baseline
▲ 0.50% · 4.625%
HK$40,015
+HK$2,004/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,022/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,936 · 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).