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$18,104
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,667
−HK$572/mo
Today · 4.125%
HK$19,239
baseline
▲ 0.50% · 4.625%
HK$20,409
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,478/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,140
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,680
−HK$548/mo
Today · 4.125%
HK$21,228
baseline
▲ 0.50% · 4.625%
HK$22,347
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,456/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,724
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,400
−HK$687/mo
Today · 4.125%
HK$23,087
baseline
▲ 0.50% · 4.625%
HK$24,491
+HK$1,404/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$46,174/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,168
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,816
−HK$658/mo
Today · 4.125%
HK$25,474
baseline
▲ 0.50% · 4.625%
HK$26,816
+HK$1,342/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$50,948/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,345
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,133
−HK$801/mo
Today · 4.125%
HK$26,934
baseline
▲ 0.50% · 4.625%
HK$28,573
+HK$1,639/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,868/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,196
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,952
−HK$767/mo
Today · 4.125%
HK$29,719
baseline
▲ 0.50% · 4.625%
HK$31,286
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,438/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,586
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,600
−HK$1,030/mo
Today · 4.125%
HK$34,630
baseline
▲ 0.50% · 4.625%
HK$36,737
+HK$2,107/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,260/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,252
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,224
−HK$987/mo
Today · 4.125%
HK$38,211
baseline
▲ 0.50% · 4.625%
HK$40,225
+HK$2,014/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,422/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,178 · 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).