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$18,115
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,678
−HK$573/mo
Today · 4.125%
HK$19,251
baseline
▲ 0.50% · 4.625%
HK$20,422
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,502/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,152
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,693
−HK$548/mo
Today · 4.125%
HK$21,241
baseline
▲ 0.50% · 4.625%
HK$22,361
+HK$1,120/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,482/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,738
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,414
−HK$687/mo
Today · 4.125%
HK$23,101
baseline
▲ 0.50% · 4.625%
HK$24,506
+HK$1,405/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,202/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,183
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,832
−HK$658/mo
Today · 4.125%
HK$25,490
baseline
▲ 0.50% · 4.625%
HK$26,833
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,980/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,361
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,150
−HK$801/mo
Today · 4.125%
HK$26,951
baseline
▲ 0.50% · 4.625%
HK$28,591
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,902/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,213
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,970
−HK$768/mo
Today · 4.125%
HK$29,738
baseline
▲ 0.50% · 4.625%
HK$31,305
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,476/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,607
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,621
−HK$1,030/mo
Today · 4.125%
HK$34,651
baseline
▲ 0.50% · 4.625%
HK$36,760
+HK$2,109/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,302/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,274
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,247
−HK$987/mo
Today · 4.125%
HK$38,234
baseline
▲ 0.50% · 4.625%
HK$40,250
+HK$2,016/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,468/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,326 · 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).