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$18,036
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,597
−HK$570/mo
Today · 4.125%
HK$19,167
baseline
▲ 0.50% · 4.625%
HK$20,334
+HK$1,167/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,334/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,065
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,603
−HK$546/mo
Today · 4.125%
HK$21,149
baseline
▲ 0.50% · 4.625%
HK$22,264
+HK$1,115/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,298/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,643
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,317
−HK$684/mo
Today · 4.125%
HK$23,001
baseline
▲ 0.50% · 4.625%
HK$24,400
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$46,002/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,078
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,724
−HK$655/mo
Today · 4.125%
HK$25,379
baseline
▲ 0.50% · 4.625%
HK$26,717
+HK$1,338/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$50,758/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,251
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,036
−HK$798/mo
Today · 4.125%
HK$26,834
baseline
▲ 0.50% · 4.625%
HK$28,467
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,668/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,091
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,845
−HK$764/mo
Today · 4.125%
HK$29,609
baseline
▲ 0.50% · 4.625%
HK$31,170
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,218/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,465
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,475
−HK$1,026/mo
Today · 4.125%
HK$34,501
baseline
▲ 0.50% · 4.625%
HK$36,600
+HK$2,099/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,002/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,117
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,086
−HK$983/mo
Today · 4.125%
HK$38,069
baseline
▲ 0.50% · 4.625%
HK$40,075
+HK$2,006/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,138/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,292 · 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).