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$18,032
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,592
−HK$570/mo
Today · 4.125%
HK$19,162
baseline
▲ 0.50% · 4.625%
HK$20,328
+HK$1,166/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,324/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,060
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,598
−HK$546/mo
Today · 4.125%
HK$21,144
baseline
▲ 0.50% · 4.625%
HK$22,258
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,288/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,638
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,311
−HK$684/mo
Today · 4.125%
HK$22,995
baseline
▲ 0.50% · 4.625%
HK$24,394
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,990/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,072
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,718
−HK$654/mo
Today · 4.125%
HK$25,372
baseline
▲ 0.50% · 4.625%
HK$26,710
+HK$1,338/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,744/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,244
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,029
−HK$798/mo
Today · 4.125%
HK$26,827
baseline
▲ 0.50% · 4.625%
HK$28,460
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,654/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,084
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,837
−HK$764/mo
Today · 4.125%
HK$29,601
baseline
▲ 0.50% · 4.625%
HK$31,162
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,202/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,457
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,466
−HK$1,026/mo
Today · 4.125%
HK$34,492
baseline
▲ 0.50% · 4.625%
HK$36,591
+HK$2,099/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$68,984/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,108
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,076
−HK$983/mo
Today · 4.125%
HK$38,059
baseline
▲ 0.50% · 4.625%
HK$40,065
+HK$2,006/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,118/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,232 · 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).