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$18,038
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,599
−HK$570/mo
Today · 4.125%
HK$19,169
baseline
▲ 0.50% · 4.625%
HK$20,335
+HK$1,166/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,338/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,067
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,605
−HK$546/mo
Today · 4.125%
HK$21,151
baseline
▲ 0.50% · 4.625%
HK$22,266
+HK$1,115/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,302/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,645
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,319
−HK$684/mo
Today · 4.125%
HK$23,003
baseline
▲ 0.50% · 4.625%
HK$24,402
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$46,006/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,080
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,726
−HK$655/mo
Today · 4.125%
HK$25,381
baseline
▲ 0.50% · 4.625%
HK$26,719
+HK$1,338/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$50,762/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,253
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,039
−HK$798/mo
Today · 4.125%
HK$26,837
baseline
▲ 0.50% · 4.625%
HK$28,470
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,674/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,094
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,847
−HK$765/mo
Today · 4.125%
HK$29,612
baseline
▲ 0.50% · 4.625%
HK$31,172
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,224/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,468
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,478
−HK$1,026/mo
Today · 4.125%
HK$34,504
baseline
▲ 0.50% · 4.625%
HK$36,604
+HK$2,100/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,008/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,121
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,089
−HK$983/mo
Today · 4.125%
HK$38,072
baseline
▲ 0.50% · 4.625%
HK$40,079
+HK$2,007/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,144/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,314 · 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).