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$18,049
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,611
−HK$570/mo
Today · 4.125%
HK$19,181
baseline
▲ 0.50% · 4.625%
HK$20,348
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,362/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,080
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,618
−HK$547/mo
Today · 4.125%
HK$21,165
baseline
▲ 0.50% · 4.625%
HK$22,280
+HK$1,115/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,330/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,659
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,333
−HK$684/mo
Today · 4.125%
HK$23,017
baseline
▲ 0.50% · 4.625%
HK$24,418
+HK$1,401/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,034/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,096
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,742
−HK$655/mo
Today · 4.125%
HK$25,397
baseline
▲ 0.50% · 4.625%
HK$26,736
+HK$1,339/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,794/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,269
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,055
−HK$799/mo
Today · 4.125%
HK$26,854
baseline
▲ 0.50% · 4.625%
HK$28,488
+HK$1,634/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,708/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,112
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,866
−HK$764/mo
Today · 4.125%
HK$29,630
baseline
▲ 0.50% · 4.625%
HK$31,192
+HK$1,562/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,260/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,489
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,499
−HK$1,027/mo
Today · 4.125%
HK$34,526
baseline
▲ 0.50% · 4.625%
HK$36,627
+HK$2,101/mo
Deposit HK$792K · loan HK$7.12M · min. income ≈ HK$69,052/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,143
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,113
−HK$983/mo
Today · 4.125%
HK$38,096
baseline
▲ 0.50% · 4.625%
HK$40,104
+HK$2,008/mo
Deposit HK$792K · loan HK$7.12M · min. income ≈ HK$76,192/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,465 · 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).