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$18,114
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,678
−HK$572/mo
Today · 4.125%
HK$19,250
baseline
▲ 0.50% · 4.625%
HK$20,421
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,500/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,152
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,692
−HK$549/mo
Today · 4.125%
HK$21,241
baseline
▲ 0.50% · 4.625%
HK$22,360
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,482/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,737
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,413
−HK$687/mo
Today · 4.125%
HK$23,100
baseline
▲ 0.50% · 4.625%
HK$24,506
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,200/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,182
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,831
−HK$658/mo
Today · 4.125%
HK$25,489
baseline
▲ 0.50% · 4.625%
HK$26,832
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,978/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,360
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,149
−HK$801/mo
Today · 4.125%
HK$26,950
baseline
▲ 0.50% · 4.625%
HK$28,590
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,900/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,213
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,969
−HK$768/mo
Today · 4.125%
HK$29,737
baseline
▲ 0.50% · 4.625%
HK$31,304
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,474/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,606
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,620
−HK$1,030/mo
Today · 4.125%
HK$34,650
baseline
▲ 0.50% · 4.625%
HK$36,759
+HK$2,109/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,300/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,273
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,246
−HK$987/mo
Today · 4.125%
HK$38,233
baseline
▲ 0.50% · 4.625%
HK$40,248
+HK$2,015/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,466/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,318 · 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).