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$18,124
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,688
−HK$572/mo
Today · 4.125%
HK$19,260
baseline
▲ 0.50% · 4.625%
HK$20,432
+HK$1,172/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,520/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,163
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,703
−HK$549/mo
Today · 4.125%
HK$21,252
baseline
▲ 0.50% · 4.625%
HK$22,372
+HK$1,120/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,504/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,749
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,425
−HK$688/mo
Today · 4.125%
HK$23,113
baseline
▲ 0.50% · 4.625%
HK$24,519
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,226/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,195
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,844
−HK$658/mo
Today · 4.125%
HK$25,502
baseline
▲ 0.50% · 4.625%
HK$26,847
+HK$1,345/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,004/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,373
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,163
−HK$802/mo
Today · 4.125%
HK$26,965
baseline
▲ 0.50% · 4.625%
HK$28,605
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,930/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,228
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,985
−HK$768/mo
Today · 4.125%
HK$29,753
baseline
▲ 0.50% · 4.625%
HK$31,321
+HK$1,568/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,506/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,623
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,638
−HK$1,031/mo
Today · 4.125%
HK$34,669
baseline
▲ 0.50% · 4.625%
HK$36,778
+HK$2,109/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$69,338/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,293
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,266
−HK$988/mo
Today · 4.125%
HK$38,254
baseline
▲ 0.50% · 4.625%
HK$40,270
+HK$2,016/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$76,508/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,446 · 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).