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$18,086
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,648
−HK$572/mo
Today · 4.125%
HK$19,220
baseline
▲ 0.50% · 4.625%
HK$20,389
+HK$1,169/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,440/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,120
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,660
−HK$547/mo
Today · 4.125%
HK$21,207
baseline
▲ 0.50% · 4.625%
HK$22,325
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,414/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,703
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,378
−HK$686/mo
Today · 4.125%
HK$23,064
baseline
▲ 0.50% · 4.625%
HK$24,467
+HK$1,403/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,128/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,144
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,792
−HK$657/mo
Today · 4.125%
HK$25,449
baseline
▲ 0.50% · 4.625%
HK$26,790
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,898/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,320
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,108
−HK$800/mo
Today · 4.125%
HK$26,908
baseline
▲ 0.50% · 4.625%
HK$28,545
+HK$1,637/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,816/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,168
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,924
−HK$766/mo
Today · 4.125%
HK$29,690
baseline
▲ 0.50% · 4.625%
HK$31,255
+HK$1,565/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,380/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,555
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,567
−HK$1,029/mo
Today · 4.125%
HK$34,596
baseline
▲ 0.50% · 4.625%
HK$36,701
+HK$2,105/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,192/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,217
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,188
−HK$985/mo
Today · 4.125%
HK$38,173
baseline
▲ 0.50% · 4.625%
HK$40,185
+HK$2,012/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,346/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,945 · 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).