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$18,053
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,615
−HK$570/mo
Today · 4.125%
HK$19,185
baseline
▲ 0.50% · 4.625%
HK$20,353
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,370/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,084
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,623
−HK$546/mo
Today · 4.125%
HK$21,169
baseline
▲ 0.50% · 4.625%
HK$22,285
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,338/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,664
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,338
−HK$684/mo
Today · 4.125%
HK$23,022
baseline
▲ 0.50% · 4.625%
HK$24,423
+HK$1,401/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,044/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,101
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,747
−HK$656/mo
Today · 4.125%
HK$25,403
baseline
▲ 0.50% · 4.625%
HK$26,742
+HK$1,339/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,806/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,275
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,061
−HK$798/mo
Today · 4.125%
HK$26,859
baseline
▲ 0.50% · 4.625%
HK$28,494
+HK$1,635/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$53,718/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,118
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,872
−HK$765/mo
Today · 4.125%
HK$29,637
baseline
▲ 0.50% · 4.625%
HK$31,199
+HK$1,562/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$59,274/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,496
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,507
−HK$1,027/mo
Today · 4.125%
HK$34,534
baseline
▲ 0.50% · 4.625%
HK$36,635
+HK$2,101/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,068/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,151
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,121
−HK$983/mo
Today · 4.125%
HK$38,104
baseline
▲ 0.50% · 4.625%
HK$40,113
+HK$2,009/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,208/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,517 · 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).