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$18,027
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,587
−HK$570/mo
Today · 4.125%
HK$19,157
baseline
▲ 0.50% · 4.625%
HK$20,323
+HK$1,166/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,314/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,055
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,592
−HK$546/mo
Today · 4.125%
HK$21,138
baseline
▲ 0.50% · 4.625%
HK$22,252
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,276/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,632
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,305
−HK$684/mo
Today · 4.125%
HK$22,989
baseline
▲ 0.50% · 4.625%
HK$24,387
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,978/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,065
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,711
−HK$655/mo
Today · 4.125%
HK$25,366
baseline
▲ 0.50% · 4.625%
HK$26,703
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,732/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,237
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,022
−HK$798/mo
Today · 4.125%
HK$26,820
baseline
▲ 0.50% · 4.625%
HK$28,452
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,640/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,076
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,829
−HK$764/mo
Today · 4.125%
HK$29,593
baseline
▲ 0.50% · 4.625%
HK$31,153
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,186/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,448
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,457
−HK$1,026/mo
Today · 4.125%
HK$34,483
baseline
▲ 0.50% · 4.625%
HK$36,581
+HK$2,098/mo
Deposit HK$791K · loan HK$7.11M · min. income ≈ HK$68,966/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,098
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,066
−HK$982/mo
Today · 4.125%
HK$38,048
baseline
▲ 0.50% · 4.625%
HK$40,054
+HK$2,006/mo
Deposit HK$791K · loan HK$7.11M · min. income ≈ HK$76,096/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,167 · 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).