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$18,073
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,635
−HK$571/mo
Today · 4.125%
HK$19,206
baseline
▲ 0.50% · 4.625%
HK$20,375
+HK$1,169/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,412/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,106
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,645
−HK$547/mo
Today · 4.125%
HK$21,192
baseline
▲ 0.50% · 4.625%
HK$22,309
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,384/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,687
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,362
−HK$685/mo
Today · 4.125%
HK$23,047
baseline
▲ 0.50% · 4.625%
HK$24,449
+HK$1,402/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,094/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,127
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,774
−HK$656/mo
Today · 4.125%
HK$25,430
baseline
▲ 0.50% · 4.625%
HK$26,771
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,860/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,302
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,089
−HK$799/mo
Today · 4.125%
HK$26,888
baseline
▲ 0.50% · 4.625%
HK$28,524
+HK$1,636/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,776/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,148
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,903
−HK$766/mo
Today · 4.125%
HK$29,669
baseline
▲ 0.50% · 4.625%
HK$31,232
+HK$1,563/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,338/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,531
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,543
−HK$1,028/mo
Today · 4.125%
HK$34,571
baseline
▲ 0.50% · 4.625%
HK$36,674
+HK$2,103/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$69,142/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,190
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,161
−HK$984/mo
Today · 4.125%
HK$38,145
baseline
▲ 0.50% · 4.625%
HK$40,156
+HK$2,011/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$76,290/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,771 · 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).