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$18,064
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,625
−HK$571/mo
Today · 4.125%
HK$19,196
baseline
▲ 0.50% · 4.625%
HK$20,364
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,392/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,096
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,634
−HK$547/mo
Today · 4.125%
HK$21,181
baseline
▲ 0.50% · 4.625%
HK$22,298
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,362/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,676
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,351
−HK$685/mo
Today · 4.125%
HK$23,036
baseline
▲ 0.50% · 4.625%
HK$24,437
+HK$1,401/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,072/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,115
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,761
−HK$656/mo
Today · 4.125%
HK$25,417
baseline
▲ 0.50% · 4.625%
HK$26,757
+HK$1,340/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,834/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,289
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,076
−HK$799/mo
Today · 4.125%
HK$26,875
baseline
▲ 0.50% · 4.625%
HK$28,510
+HK$1,635/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,750/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,134
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,888
−HK$766/mo
Today · 4.125%
HK$29,654
baseline
▲ 0.50% · 4.625%
HK$31,217
+HK$1,563/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,308/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,514
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,526
−HK$1,027/mo
Today · 4.125%
HK$34,553
baseline
▲ 0.50% · 4.625%
HK$36,656
+HK$2,103/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,106/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,172
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,142
−HK$984/mo
Today · 4.125%
HK$38,126
baseline
▲ 0.50% · 4.625%
HK$40,136
+HK$2,010/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,252/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,652 · 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).