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$18,035
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,596
−HK$570/mo
Today · 4.125%
HK$19,166
baseline
▲ 0.50% · 4.625%
HK$20,332
+HK$1,166/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,332/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,064
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,602
−HK$546/mo
Today · 4.125%
HK$21,148
baseline
▲ 0.50% · 4.625%
HK$22,262
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,296/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,642
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,315
−HK$684/mo
Today · 4.125%
HK$22,999
baseline
▲ 0.50% · 4.625%
HK$24,398
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$45,998/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,076
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,722
−HK$655/mo
Today · 4.125%
HK$25,377
baseline
▲ 0.50% · 4.625%
HK$26,715
+HK$1,338/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$50,754/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,249
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,034
−HK$798/mo
Today · 4.125%
HK$26,832
baseline
▲ 0.50% · 4.625%
HK$28,465
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,664/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,089
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,842
−HK$765/mo
Today · 4.125%
HK$29,607
baseline
▲ 0.50% · 4.625%
HK$31,167
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,214/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,463
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,473
−HK$1,026/mo
Today · 4.125%
HK$34,499
baseline
▲ 0.50% · 4.625%
HK$36,598
+HK$2,099/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$68,998/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,115
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,083
−HK$983/mo
Today · 4.125%
HK$38,066
baseline
▲ 0.50% · 4.625%
HK$40,072
+HK$2,006/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,132/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,275 · 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).