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$17,977
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,536
−HK$568/mo
Today · 4.125%
HK$19,104
baseline
▲ 0.50% · 4.625%
HK$20,267
+HK$1,163/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,208/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,999
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,535
−HK$545/mo
Today · 4.125%
HK$21,080
baseline
▲ 0.50% · 4.625%
HK$22,191
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,160/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,572
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,243
−HK$682/mo
Today · 4.125%
HK$22,925
baseline
▲ 0.50% · 4.625%
HK$24,320
+HK$1,395/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,850/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,999
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,643
−HK$652/mo
Today · 4.125%
HK$25,295
baseline
▲ 0.50% · 4.625%
HK$26,629
+HK$1,334/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,590/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,168
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,950
−HK$796/mo
Today · 4.125%
HK$26,746
baseline
▲ 0.50% · 4.625%
HK$28,373
+HK$1,627/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,492/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,999
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,750
−HK$761/mo
Today · 4.125%
HK$29,511
baseline
▲ 0.50% · 4.625%
HK$31,067
+HK$1,556/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,022/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,358
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,365
−HK$1,023/mo
Today · 4.125%
HK$34,388
baseline
▲ 0.50% · 4.625%
HK$36,480
+HK$2,092/mo
Deposit HK$788K · loan HK$7.10M · min. income ≈ HK$68,776/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,998
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,964
−HK$979/mo
Today · 4.125%
HK$37,943
baseline
▲ 0.50% · 4.625%
HK$39,943
+HK$2,000/mo
Deposit HK$788K · loan HK$7.10M · min. income ≈ HK$75,886/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,512 · 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).