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$18,044
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,605
−HK$571/mo
Today · 4.125%
HK$19,176
baseline
▲ 0.50% · 4.625%
HK$20,342
+HK$1,166/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,352/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,074
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,612
−HK$546/mo
Today · 4.125%
HK$21,158
baseline
▲ 0.50% · 4.625%
HK$22,274
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,316/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,653
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,326
−HK$685/mo
Today · 4.125%
HK$23,011
baseline
▲ 0.50% · 4.625%
HK$24,411
+HK$1,400/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,022/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,089
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,735
−HK$655/mo
Today · 4.125%
HK$25,390
baseline
▲ 0.50% · 4.625%
HK$26,728
+HK$1,338/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,780/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,262
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,047
−HK$799/mo
Today · 4.125%
HK$26,846
baseline
▲ 0.50% · 4.625%
HK$28,479
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,692/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,103
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,857
−HK$765/mo
Today · 4.125%
HK$29,622
baseline
▲ 0.50% · 4.625%
HK$31,183
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,244/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,479
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,490
−HK$1,026/mo
Today · 4.125%
HK$34,516
baseline
▲ 0.50% · 4.625%
HK$36,616
+HK$2,100/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,032/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,133
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,102
−HK$983/mo
Today · 4.125%
HK$38,085
baseline
▲ 0.50% · 4.625%
HK$40,093
+HK$2,008/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,170/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,395 · 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).