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$18,100
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,663
−HK$572/mo
Today · 4.125%
HK$19,235
baseline
▲ 0.50% · 4.625%
HK$20,406
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,470/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,136
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,676
−HK$548/mo
Today · 4.125%
HK$21,224
baseline
▲ 0.50% · 4.625%
HK$22,343
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,448/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,720
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,396
−HK$686/mo
Today · 4.125%
HK$23,082
baseline
▲ 0.50% · 4.625%
HK$24,487
+HK$1,405/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$46,164/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,164
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,812
−HK$657/mo
Today · 4.125%
HK$25,469
baseline
▲ 0.50% · 4.625%
HK$26,812
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$50,938/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,340
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,129
−HK$801/mo
Today · 4.125%
HK$26,930
baseline
▲ 0.50% · 4.625%
HK$28,568
+HK$1,638/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,860/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,191
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,947
−HK$767/mo
Today · 4.125%
HK$29,714
baseline
▲ 0.50% · 4.625%
HK$31,280
+HK$1,566/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,428/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,581
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,594
−HK$1,030/mo
Today · 4.125%
HK$34,624
baseline
▲ 0.50% · 4.625%
HK$36,730
+HK$2,106/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$69,248/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,246
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,218
−HK$986/mo
Today · 4.125%
HK$38,204
baseline
▲ 0.50% · 4.625%
HK$40,218
+HK$2,014/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$76,408/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,136 · 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).