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$1,131/mo
▼ 0.25% · 3.875%
HK$18,584
−HK$570/mo
Today · 4.125%
HK$19,154
baseline
▲ 0.50% · 4.625%
HK$20,319
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,308/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,051
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,589
−HK$545/mo
Today · 4.125%
HK$21,134
baseline
▲ 0.50% · 4.625%
HK$22,248
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,268/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,628
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,301
−HK$683/mo
Today · 4.125%
HK$22,984
baseline
▲ 0.50% · 4.625%
HK$24,383
+HK$1,399/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$237,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,061
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,706
−HK$655/mo
Today · 4.125%
HK$25,361
baseline
▲ 0.50% · 4.625%
HK$26,698
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,722/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,233
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,018
−HK$797/mo
Today · 4.125%
HK$26,815
baseline
▲ 0.50% · 4.625%
HK$28,447
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,630/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,071
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,824
−HK$764/mo
Today · 4.125%
HK$29,588
baseline
▲ 0.50% · 4.625%
HK$31,148
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,176/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,442
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,451
−HK$1,026/mo
Today · 4.125%
HK$34,477
baseline
▲ 0.50% · 4.625%
HK$36,574
+HK$2,097/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,954/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,092
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,060
−HK$982/mo
Today · 4.125%
HK$38,042
baseline
▲ 0.50% · 4.625%
HK$40,047
+HK$2,005/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,084/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,125 · 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).