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$18,050
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,612
−HK$570/mo
Today · 4.125%
HK$19,182
baseline
▲ 0.50% · 4.625%
HK$20,349
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,364/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,081
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,619
−HK$547/mo
Today · 4.125%
HK$21,166
baseline
▲ 0.50% · 4.625%
HK$22,281
+HK$1,115/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,332/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,660
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,334
−HK$685/mo
Today · 4.125%
HK$23,019
baseline
▲ 0.50% · 4.625%
HK$24,419
+HK$1,400/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,038/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,097
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,743
−HK$656/mo
Today · 4.125%
HK$25,399
baseline
▲ 0.50% · 4.625%
HK$26,737
+HK$1,338/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,798/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,270
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,056
−HK$799/mo
Today · 4.125%
HK$26,855
baseline
▲ 0.50% · 4.625%
HK$28,489
+HK$1,634/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,710/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,113
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,867
−HK$765/mo
Today · 4.125%
HK$29,632
baseline
▲ 0.50% · 4.625%
HK$31,194
+HK$1,562/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,264/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,490
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,501
−HK$1,027/mo
Today · 4.125%
HK$34,528
baseline
▲ 0.50% · 4.625%
HK$36,629
+HK$2,101/mo
Deposit HK$792K · loan HK$7.12M · min. income ≈ HK$69,056/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,145
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,115
−HK$983/mo
Today · 4.125%
HK$38,098
baseline
▲ 0.50% · 4.625%
HK$40,106
+HK$2,008/mo
Deposit HK$792K · loan HK$7.12M · min. income ≈ HK$76,196/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,476 · 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).