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$18,101
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,664
−HK$572/mo
Today · 4.125%
HK$19,236
baseline
▲ 0.50% · 4.625%
HK$20,407
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,472/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,137
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,677
−HK$548/mo
Today · 4.125%
HK$21,225
baseline
▲ 0.50% · 4.625%
HK$22,344
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,450/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,721
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,397
−HK$686/mo
Today · 4.125%
HK$23,083
baseline
▲ 0.50% · 4.625%
HK$24,488
+HK$1,405/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$46,166/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,165
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,813
−HK$657/mo
Today · 4.125%
HK$25,470
baseline
▲ 0.50% · 4.625%
HK$26,813
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$50,940/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,342
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,130
−HK$801/mo
Today · 4.125%
HK$26,931
baseline
▲ 0.50% · 4.625%
HK$28,569
+HK$1,638/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,862/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,192
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,948
−HK$767/mo
Today · 4.125%
HK$29,715
baseline
▲ 0.50% · 4.625%
HK$31,282
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,430/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,582
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,595
−HK$1,030/mo
Today · 4.125%
HK$34,625
baseline
▲ 0.50% · 4.625%
HK$36,732
+HK$2,107/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$69,250/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,247
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,219
−HK$986/mo
Today · 4.125%
HK$38,205
baseline
▲ 0.50% · 4.625%
HK$40,219
+HK$2,014/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$76,410/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,146 · 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).