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$18,096
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,659
−HK$572/mo
Today · 4.125%
HK$19,231
baseline
▲ 0.50% · 4.625%
HK$20,401
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,462/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,132
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,672
−HK$548/mo
Today · 4.125%
HK$21,220
baseline
▲ 0.50% · 4.625%
HK$22,338
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,440/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,716
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,391
−HK$686/mo
Today · 4.125%
HK$23,077
baseline
▲ 0.50% · 4.625%
HK$24,482
+HK$1,405/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,154/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,158
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,806
−HK$658/mo
Today · 4.125%
HK$25,464
baseline
▲ 0.50% · 4.625%
HK$26,806
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,928/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,335
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,123
−HK$801/mo
Today · 4.125%
HK$26,924
baseline
▲ 0.50% · 4.625%
HK$28,562
+HK$1,638/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,848/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,185
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,941
−HK$767/mo
Today · 4.125%
HK$29,708
baseline
▲ 0.50% · 4.625%
HK$31,274
+HK$1,566/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,416/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,574
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,587
−HK$1,029/mo
Today · 4.125%
HK$34,616
baseline
▲ 0.50% · 4.625%
HK$36,723
+HK$2,107/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$69,232/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,238
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,210
−HK$986/mo
Today · 4.125%
HK$38,196
baseline
▲ 0.50% · 4.625%
HK$40,209
+HK$2,013/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$76,392/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,084 · 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).