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$17,985
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,545
−HK$568/mo
Today · 4.125%
HK$19,113
baseline
▲ 0.50% · 4.625%
HK$20,276
+HK$1,163/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,226/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,008
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,545
−HK$544/mo
Today · 4.125%
HK$21,089
baseline
▲ 0.50% · 4.625%
HK$22,201
+HK$1,112/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,178/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,582
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,253
−HK$683/mo
Today · 4.125%
HK$22,936
baseline
▲ 0.50% · 4.625%
HK$24,331
+HK$1,395/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,872/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,010
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,654
−HK$653/mo
Today · 4.125%
HK$25,307
baseline
▲ 0.50% · 4.625%
HK$26,641
+HK$1,334/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,614/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,179
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,962
−HK$796/mo
Today · 4.125%
HK$26,758
baseline
▲ 0.50% · 4.625%
HK$28,386
+HK$1,628/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,516/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,012
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,763
−HK$762/mo
Today · 4.125%
HK$29,525
baseline
▲ 0.50% · 4.625%
HK$31,081
+HK$1,556/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,050/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,373
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,380
−HK$1,023/mo
Today · 4.125%
HK$34,403
baseline
▲ 0.50% · 4.625%
HK$36,497
+HK$2,094/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,806/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,015
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,981
−HK$980/mo
Today · 4.125%
HK$37,961
baseline
▲ 0.50% · 4.625%
HK$39,962
+HK$2,001/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,922/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,620 · 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).