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$18,098
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,661
−HK$572/mo
Today · 4.125%
HK$19,233
baseline
▲ 0.50% · 4.625%
HK$20,403
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,466/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,134
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,674
−HK$548/mo
Today · 4.125%
HK$21,222
baseline
▲ 0.50% · 4.625%
HK$22,340
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,444/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,718
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,393
−HK$686/mo
Today · 4.125%
HK$23,079
baseline
▲ 0.50% · 4.625%
HK$24,484
+HK$1,405/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,158/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,161
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,809
−HK$657/mo
Today · 4.125%
HK$25,466
baseline
▲ 0.50% · 4.625%
HK$26,808
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,932/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,337
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,125
−HK$801/mo
Today · 4.125%
HK$26,926
baseline
▲ 0.50% · 4.625%
HK$28,564
+HK$1,638/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,852/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,187
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,943
−HK$767/mo
Today · 4.125%
HK$29,710
baseline
▲ 0.50% · 4.625%
HK$31,276
+HK$1,566/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,420/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,576
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,590
−HK$1,029/mo
Today · 4.125%
HK$34,619
baseline
▲ 0.50% · 4.625%
HK$36,726
+HK$2,107/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$69,238/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,241
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,213
−HK$986/mo
Today · 4.125%
HK$38,199
baseline
▲ 0.50% · 4.625%
HK$40,212
+HK$2,013/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$76,398/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,105 · 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).