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$18,078
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,640
−HK$572/mo
Today · 4.125%
HK$19,212
baseline
▲ 0.50% · 4.625%
HK$20,381
+HK$1,169/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,424/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,112
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,651
−HK$547/mo
Today · 4.125%
HK$21,198
baseline
▲ 0.50% · 4.625%
HK$22,316
+HK$1,118/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,396/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,694
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,369
−HK$685/mo
Today · 4.125%
HK$23,054
baseline
▲ 0.50% · 4.625%
HK$24,457
+HK$1,403/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,108/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,134
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,781
−HK$657/mo
Today · 4.125%
HK$25,438
baseline
▲ 0.50% · 4.625%
HK$26,779
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,876/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,309
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,097
−HK$800/mo
Today · 4.125%
HK$26,897
baseline
▲ 0.50% · 4.625%
HK$28,533
+HK$1,636/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,794/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,156
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,912
−HK$766/mo
Today · 4.125%
HK$29,678
baseline
▲ 0.50% · 4.625%
HK$31,242
+HK$1,564/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,356/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,541
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,553
−HK$1,028/mo
Today · 4.125%
HK$34,581
baseline
▲ 0.50% · 4.625%
HK$36,685
+HK$2,104/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,162/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,201
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,172
−HK$985/mo
Today · 4.125%
HK$38,157
baseline
▲ 0.50% · 4.625%
HK$40,168
+HK$2,011/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,314/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,844 · 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).