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$18,093
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,656
−HK$572/mo
Today · 4.125%
HK$19,228
baseline
▲ 0.50% · 4.625%
HK$20,398
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,456/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,129
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,668
−HK$548/mo
Today · 4.125%
HK$21,216
baseline
▲ 0.50% · 4.625%
HK$22,334
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,432/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,712
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,387
−HK$686/mo
Today · 4.125%
HK$23,073
baseline
▲ 0.50% · 4.625%
HK$24,477
+HK$1,404/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,146/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,154
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,802
−HK$657/mo
Today · 4.125%
HK$25,459
baseline
▲ 0.50% · 4.625%
HK$26,801
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,918/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,331
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,119
−HK$800/mo
Today · 4.125%
HK$26,919
baseline
▲ 0.50% · 4.625%
HK$28,557
+HK$1,638/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,838/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,180
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,936
−HK$767/mo
Today · 4.125%
HK$29,703
baseline
▲ 0.50% · 4.625%
HK$31,268
+HK$1,565/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,406/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,568
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,581
−HK$1,029/mo
Today · 4.125%
HK$34,610
baseline
▲ 0.50% · 4.625%
HK$36,716
+HK$2,106/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,220/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,231
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,203
−HK$986/mo
Today · 4.125%
HK$38,189
baseline
▲ 0.50% · 4.625%
HK$40,202
+HK$2,013/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,378/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,043 · 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).