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$18,064
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,626
−HK$571/mo
Today · 4.125%
HK$19,197
baseline
▲ 0.50% · 4.625%
HK$20,365
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,394/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,096
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,635
−HK$547/mo
Today · 4.125%
HK$21,182
baseline
▲ 0.50% · 4.625%
HK$22,298
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,364/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,677
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,351
−HK$685/mo
Today · 4.125%
HK$23,036
baseline
▲ 0.50% · 4.625%
HK$24,438
+HK$1,402/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,072/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,115
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,762
−HK$656/mo
Today · 4.125%
HK$25,418
baseline
▲ 0.50% · 4.625%
HK$26,758
+HK$1,340/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,836/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,290
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,076
−HK$800/mo
Today · 4.125%
HK$26,876
baseline
▲ 0.50% · 4.625%
HK$28,511
+HK$1,635/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,752/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,135
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,889
−HK$766/mo
Today · 4.125%
HK$29,655
baseline
▲ 0.50% · 4.625%
HK$31,218
+HK$1,563/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,310/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,516
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,527
−HK$1,028/mo
Today · 4.125%
HK$34,555
baseline
▲ 0.50% · 4.625%
HK$36,657
+HK$2,102/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,110/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,173
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,143
−HK$984/mo
Today · 4.125%
HK$38,127
baseline
▲ 0.50% · 4.625%
HK$40,137
+HK$2,010/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,254/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,660 · 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).