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$18,092
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,655
−HK$572/mo
Today · 4.125%
HK$19,227
baseline
▲ 0.50% · 4.625%
HK$20,397
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,454/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,128
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,667
−HK$548/mo
Today · 4.125%
HK$21,215
baseline
▲ 0.50% · 4.625%
HK$22,333
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,430/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,711
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,386
−HK$686/mo
Today · 4.125%
HK$23,072
baseline
▲ 0.50% · 4.625%
HK$24,476
+HK$1,404/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,144/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,153
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,801
−HK$657/mo
Today · 4.125%
HK$25,458
baseline
▲ 0.50% · 4.625%
HK$26,800
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,916/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,329
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,117
−HK$801/mo
Today · 4.125%
HK$26,918
baseline
▲ 0.50% · 4.625%
HK$28,556
+HK$1,638/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,836/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,179
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,934
−HK$767/mo
Today · 4.125%
HK$29,701
baseline
▲ 0.50% · 4.625%
HK$31,267
+HK$1,566/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,402/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,566
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,579
−HK$1,029/mo
Today · 4.125%
HK$34,608
baseline
▲ 0.50% · 4.625%
HK$36,714
+HK$2,106/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,216/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,230
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,201
−HK$986/mo
Today · 4.125%
HK$38,187
baseline
▲ 0.50% · 4.625%
HK$40,200
+HK$2,013/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,374/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,031 · 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).