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$18,046
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,607
−HK$570/mo
Today · 4.125%
HK$19,177
baseline
▲ 0.50% · 4.625%
HK$20,344
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,354/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,076
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,614
−HK$546/mo
Today · 4.125%
HK$21,160
baseline
▲ 0.50% · 4.625%
HK$22,276
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,320/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,655
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,329
−HK$684/mo
Today · 4.125%
HK$23,013
baseline
▲ 0.50% · 4.625%
HK$24,413
+HK$1,400/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,026/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,091
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,737
−HK$655/mo
Today · 4.125%
HK$25,392
baseline
▲ 0.50% · 4.625%
HK$26,731
+HK$1,339/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,784/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,264
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,050
−HK$798/mo
Today · 4.125%
HK$26,848
baseline
▲ 0.50% · 4.625%
HK$28,482
+HK$1,634/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,696/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,106
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,860
−HK$765/mo
Today · 4.125%
HK$29,625
baseline
▲ 0.50% · 4.625%
HK$31,186
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,250/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,482
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,493
−HK$1,026/mo
Today · 4.125%
HK$34,519
baseline
▲ 0.50% · 4.625%
HK$36,620
+HK$2,101/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,038/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,136
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,106
−HK$983/mo
Today · 4.125%
HK$38,089
baseline
▲ 0.50% · 4.625%
HK$40,096
+HK$2,007/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,178/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,418 · 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).