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$18,073
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,636
−HK$571/mo
Today · 4.125%
HK$19,207
baseline
▲ 0.50% · 4.625%
HK$20,376
+HK$1,169/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,414/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,107
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,646
−HK$547/mo
Today · 4.125%
HK$21,193
baseline
▲ 0.50% · 4.625%
HK$22,310
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,386/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,688
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,363
−HK$685/mo
Today · 4.125%
HK$23,048
baseline
▲ 0.50% · 4.625%
HK$24,451
+HK$1,403/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,096/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,128
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,775
−HK$656/mo
Today · 4.125%
HK$25,431
baseline
▲ 0.50% · 4.625%
HK$26,772
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,862/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,303
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,090
−HK$800/mo
Today · 4.125%
HK$26,890
baseline
▲ 0.50% · 4.625%
HK$28,526
+HK$1,636/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,780/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,149
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,904
−HK$766/mo
Today · 4.125%
HK$29,670
baseline
▲ 0.50% · 4.625%
HK$31,234
+HK$1,564/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,340/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,532
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,544
−HK$1,028/mo
Today · 4.125%
HK$34,572
baseline
▲ 0.50% · 4.625%
HK$36,676
+HK$2,104/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$69,144/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,192
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,162
−HK$985/mo
Today · 4.125%
HK$38,147
baseline
▲ 0.50% · 4.625%
HK$40,158
+HK$2,011/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$76,294/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,782 · 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).