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$18,108
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,672
−HK$572/mo
Today · 4.125%
HK$19,244
baseline
▲ 0.50% · 4.625%
HK$20,415
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,488/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,145
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,686
−HK$548/mo
Today · 4.125%
HK$21,234
baseline
▲ 0.50% · 4.625%
HK$22,353
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,468/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,730
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,406
−HK$687/mo
Today · 4.125%
HK$23,093
baseline
▲ 0.50% · 4.625%
HK$24,498
+HK$1,405/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$46,186/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,175
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,823
−HK$658/mo
Today · 4.125%
HK$25,481
baseline
▲ 0.50% · 4.625%
HK$26,824
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$50,962/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,352
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,140
−HK$802/mo
Today · 4.125%
HK$26,942
baseline
▲ 0.50% · 4.625%
HK$28,581
+HK$1,639/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,884/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,204
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,960
−HK$767/mo
Today · 4.125%
HK$29,727
baseline
▲ 0.50% · 4.625%
HK$31,294
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,454/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,595
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,609
−HK$1,030/mo
Today · 4.125%
HK$34,639
baseline
▲ 0.50% · 4.625%
HK$36,747
+HK$2,108/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,278/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,262
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,234
−HK$987/mo
Today · 4.125%
HK$38,221
baseline
▲ 0.50% · 4.625%
HK$40,236
+HK$2,015/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,442/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,243 · 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).