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$18,055
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,616
−HK$571/mo
Today · 4.125%
HK$19,187
baseline
▲ 0.50% · 4.625%
HK$20,354
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,374/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,086
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,624
−HK$547/mo
Today · 4.125%
HK$21,171
baseline
▲ 0.50% · 4.625%
HK$22,287
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,342/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,666
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,340
−HK$684/mo
Today · 4.125%
HK$23,024
baseline
▲ 0.50% · 4.625%
HK$24,425
+HK$1,401/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,048/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,103
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,749
−HK$656/mo
Today · 4.125%
HK$25,405
baseline
▲ 0.50% · 4.625%
HK$26,744
+HK$1,339/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,810/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,277
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,063
−HK$799/mo
Today · 4.125%
HK$26,862
baseline
▲ 0.50% · 4.625%
HK$28,496
+HK$1,634/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$53,724/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,120
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,874
−HK$765/mo
Today · 4.125%
HK$29,639
baseline
▲ 0.50% · 4.625%
HK$31,202
+HK$1,563/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$59,278/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,499
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,509
−HK$1,028/mo
Today · 4.125%
HK$34,537
baseline
▲ 0.50% · 4.625%
HK$36,638
+HK$2,101/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,074/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,154
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,124
−HK$984/mo
Today · 4.125%
HK$38,108
baseline
▲ 0.50% · 4.625%
HK$40,116
+HK$2,008/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,216/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,536 · 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).