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$18,082
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,644
−HK$572/mo
Today · 4.125%
HK$19,216
baseline
▲ 0.50% · 4.625%
HK$20,385
+HK$1,169/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,432/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,116
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,656
−HK$547/mo
Today · 4.125%
HK$21,203
baseline
▲ 0.50% · 4.625%
HK$22,320
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,406/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,698
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,373
−HK$686/mo
Today · 4.125%
HK$23,059
baseline
▲ 0.50% · 4.625%
HK$24,462
+HK$1,403/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,118/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,139
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,787
−HK$656/mo
Today · 4.125%
HK$25,443
baseline
▲ 0.50% · 4.625%
HK$26,785
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,886/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,315
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,102
−HK$800/mo
Today · 4.125%
HK$26,902
baseline
▲ 0.50% · 4.625%
HK$28,539
+HK$1,637/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,804/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,162
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,918
−HK$766/mo
Today · 4.125%
HK$29,684
baseline
▲ 0.50% · 4.625%
HK$31,249
+HK$1,565/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,368/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,548
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,560
−HK$1,029/mo
Today · 4.125%
HK$34,589
baseline
▲ 0.50% · 4.625%
HK$36,693
+HK$2,104/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,178/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,209
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,180
−HK$985/mo
Today · 4.125%
HK$38,165
baseline
▲ 0.50% · 4.625%
HK$40,177
+HK$2,012/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,330/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,895 · 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).