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$18,095
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,658
−HK$572/mo
Today · 4.125%
HK$19,230
baseline
▲ 0.50% · 4.625%
HK$20,400
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,460/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,131
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,671
−HK$548/mo
Today · 4.125%
HK$21,219
baseline
▲ 0.50% · 4.625%
HK$22,337
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,438/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,714
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,390
−HK$686/mo
Today · 4.125%
HK$23,076
baseline
▲ 0.50% · 4.625%
HK$24,480
+HK$1,404/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,152/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,157
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,805
−HK$657/mo
Today · 4.125%
HK$25,462
baseline
▲ 0.50% · 4.625%
HK$26,804
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,924/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,334
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,122
−HK$800/mo
Today · 4.125%
HK$26,922
baseline
▲ 0.50% · 4.625%
HK$28,560
+HK$1,638/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,844/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,183
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,939
−HK$767/mo
Today · 4.125%
HK$29,706
baseline
▲ 0.50% · 4.625%
HK$31,272
+HK$1,566/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,412/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,572
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,585
−HK$1,029/mo
Today · 4.125%
HK$34,614
baseline
▲ 0.50% · 4.625%
HK$36,720
+HK$2,106/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$69,228/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,236
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,208
−HK$985/mo
Today · 4.125%
HK$38,193
baseline
▲ 0.50% · 4.625%
HK$40,207
+HK$2,014/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$76,386/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,071 · 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).