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$18,052
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,614
−HK$570/mo
Today · 4.125%
HK$19,184
baseline
▲ 0.50% · 4.625%
HK$20,352
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,368/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,083
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,622
−HK$546/mo
Today · 4.125%
HK$21,168
baseline
▲ 0.50% · 4.625%
HK$22,284
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,336/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,663
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,337
−HK$684/mo
Today · 4.125%
HK$23,021
baseline
▲ 0.50% · 4.625%
HK$24,422
+HK$1,401/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,042/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,100
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,746
−HK$656/mo
Today · 4.125%
HK$25,402
baseline
▲ 0.50% · 4.625%
HK$26,741
+HK$1,339/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,804/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,273
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,059
−HK$799/mo
Today · 4.125%
HK$26,858
baseline
▲ 0.50% · 4.625%
HK$28,492
+HK$1,634/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$53,716/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,116
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,870
−HK$765/mo
Today · 4.125%
HK$29,635
baseline
▲ 0.50% · 4.625%
HK$31,197
+HK$1,562/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$59,270/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,494
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,505
−HK$1,027/mo
Today · 4.125%
HK$34,532
baseline
▲ 0.50% · 4.625%
HK$36,633
+HK$2,101/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,064/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,149
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,119
−HK$983/mo
Today · 4.125%
HK$38,102
baseline
▲ 0.50% · 4.625%
HK$40,111
+HK$2,009/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,204/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,504 · 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).