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$1,135/mo
▼ 0.25% · 3.875%
HK$18,671
−HK$572/mo
Today · 4.125%
HK$19,243
baseline
▲ 0.50% · 4.625%
HK$20,414
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,486/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,145
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,685
−HK$548/mo
Today · 4.125%
HK$21,233
baseline
▲ 0.50% · 4.625%
HK$22,352
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,466/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,729
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,405
−HK$687/mo
Today · 4.125%
HK$23,092
baseline
▲ 0.50% · 4.625%
HK$24,497
+HK$1,405/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$46,184/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,173
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,822
−HK$657/mo
Today · 4.125%
HK$25,479
baseline
▲ 0.50% · 4.625%
HK$26,823
+HK$1,344/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$50,958/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,351
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,139
−HK$801/mo
Today · 4.125%
HK$26,940
baseline
▲ 0.50% · 4.625%
HK$28,580
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,880/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,202
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,959
−HK$767/mo
Today · 4.125%
HK$29,726
baseline
▲ 0.50% · 4.625%
HK$31,293
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,452/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,594
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,608
−HK$1,030/mo
Today · 4.125%
HK$34,638
baseline
▲ 0.50% · 4.625%
HK$36,745
+HK$2,107/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,276/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,260
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,233
−HK$986/mo
Today · 4.125%
HK$38,219
baseline
▲ 0.50% · 4.625%
HK$40,234
+HK$2,015/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,438/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,232 · 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).