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$18,023
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,583
−HK$570/mo
Today · 4.125%
HK$19,153
baseline
▲ 0.50% · 4.625%
HK$20,318
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,306/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,050
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,588
−HK$545/mo
Today · 4.125%
HK$21,133
baseline
▲ 0.50% · 4.625%
HK$22,247
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,266/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,627
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,300
−HK$684/mo
Today · 4.125%
HK$22,984
baseline
▲ 0.50% · 4.625%
HK$24,382
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,968/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,060
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,706
−HK$654/mo
Today · 4.125%
HK$25,360
baseline
▲ 0.50% · 4.625%
HK$26,697
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,720/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,232
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,017
−HK$797/mo
Today · 4.125%
HK$26,814
baseline
▲ 0.50% · 4.625%
HK$28,446
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,628/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,070
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,823
−HK$764/mo
Today · 4.125%
HK$29,587
baseline
▲ 0.50% · 4.625%
HK$31,146
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,174/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,441
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,450
−HK$1,025/mo
Today · 4.125%
HK$34,475
baseline
▲ 0.50% · 4.625%
HK$36,573
+HK$2,098/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,950/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,090
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,058
−HK$982/mo
Today · 4.125%
HK$38,040
baseline
▲ 0.50% · 4.625%
HK$40,045
+HK$2,005/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,080/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,116 · 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).