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$18,122
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,686
−HK$572/mo
Today · 4.125%
HK$19,258
baseline
▲ 0.50% · 4.625%
HK$20,430
+HK$1,172/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,516/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,161
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,701
−HK$549/mo
Today · 4.125%
HK$21,250
baseline
▲ 0.50% · 4.625%
HK$22,370
+HK$1,120/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,500/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,746
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,423
−HK$687/mo
Today · 4.125%
HK$23,110
baseline
▲ 0.50% · 4.625%
HK$24,516
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,220/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,193
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,842
−HK$658/mo
Today · 4.125%
HK$25,500
baseline
▲ 0.50% · 4.625%
HK$26,844
+HK$1,344/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,000/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,371
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,160
−HK$802/mo
Today · 4.125%
HK$26,962
baseline
▲ 0.50% · 4.625%
HK$28,602
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,924/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,225
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,982
−HK$768/mo
Today · 4.125%
HK$29,750
baseline
▲ 0.50% · 4.625%
HK$31,318
+HK$1,568/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,500/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,620
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,634
−HK$1,031/mo
Today · 4.125%
HK$34,665
baseline
▲ 0.50% · 4.625%
HK$36,775
+HK$2,110/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$69,330/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,289
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,262
−HK$988/mo
Today · 4.125%
HK$38,250
baseline
▲ 0.50% · 4.625%
HK$40,266
+HK$2,016/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$76,500/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,422 · 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).