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$18,025
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,585
−HK$570/mo
Today · 4.125%
HK$19,155
baseline
▲ 0.50% · 4.625%
HK$20,321
+HK$1,166/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,310/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,052
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,590
−HK$546/mo
Today · 4.125%
HK$21,136
baseline
▲ 0.50% · 4.625%
HK$22,250
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,272/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,630
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,303
−HK$683/mo
Today · 4.125%
HK$22,986
baseline
▲ 0.50% · 4.625%
HK$24,385
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,972/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,063
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,708
−HK$655/mo
Today · 4.125%
HK$25,363
baseline
▲ 0.50% · 4.625%
HK$26,700
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,726/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,235
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,020
−HK$797/mo
Today · 4.125%
HK$26,817
baseline
▲ 0.50% · 4.625%
HK$28,449
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,634/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,073
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,826
−HK$764/mo
Today · 4.125%
HK$29,590
baseline
▲ 0.50% · 4.625%
HK$31,150
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,180/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,445
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,454
−HK$1,025/mo
Today · 4.125%
HK$34,479
baseline
▲ 0.50% · 4.625%
HK$36,577
+HK$2,098/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,958/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,094
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,062
−HK$982/mo
Today · 4.125%
HK$38,044
baseline
▲ 0.50% · 4.625%
HK$40,050
+HK$2,006/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,088/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,142 · 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).