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$18,117
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,681
−HK$572/mo
Today · 4.125%
HK$19,253
baseline
▲ 0.50% · 4.625%
HK$20,425
+HK$1,172/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,506/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,155
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,696
−HK$548/mo
Today · 4.125%
HK$21,244
baseline
▲ 0.50% · 4.625%
HK$22,364
+HK$1,120/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,488/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,740
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,417
−HK$687/mo
Today · 4.125%
HK$23,104
baseline
▲ 0.50% · 4.625%
HK$24,510
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,208/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,186
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,835
−HK$658/mo
Today · 4.125%
HK$25,493
baseline
▲ 0.50% · 4.625%
HK$26,836
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,986/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,364
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,153
−HK$801/mo
Today · 4.125%
HK$26,954
baseline
▲ 0.50% · 4.625%
HK$28,595
+HK$1,641/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,908/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,217
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,974
−HK$768/mo
Today · 4.125%
HK$29,742
baseline
▲ 0.50% · 4.625%
HK$31,309
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,484/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,611
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,625
−HK$1,031/mo
Today · 4.125%
HK$34,656
baseline
▲ 0.50% · 4.625%
HK$36,764
+HK$2,108/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$69,312/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,279
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,252
−HK$987/mo
Today · 4.125%
HK$38,239
baseline
▲ 0.50% · 4.625%
HK$40,255
+HK$2,016/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$76,478/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,356 · 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).