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$18,078
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,640
−HK$571/mo
Today · 4.125%
HK$19,211
baseline
▲ 0.50% · 4.625%
HK$20,380
+HK$1,169/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,422/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,111
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,651
−HK$547/mo
Today · 4.125%
HK$21,198
baseline
▲ 0.50% · 4.625%
HK$22,315
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,396/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,693
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,368
−HK$686/mo
Today · 4.125%
HK$23,054
baseline
▲ 0.50% · 4.625%
HK$24,456
+HK$1,402/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,108/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,134
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,781
−HK$656/mo
Today · 4.125%
HK$25,437
baseline
▲ 0.50% · 4.625%
HK$26,778
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,874/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,309
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,096
−HK$800/mo
Today · 4.125%
HK$26,896
baseline
▲ 0.50% · 4.625%
HK$28,533
+HK$1,637/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,792/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,156
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,911
−HK$766/mo
Today · 4.125%
HK$29,677
baseline
▲ 0.50% · 4.625%
HK$31,241
+HK$1,564/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,354/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,540
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,552
−HK$1,029/mo
Today · 4.125%
HK$34,581
baseline
▲ 0.50% · 4.625%
HK$36,685
+HK$2,104/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,162/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,200
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,171
−HK$985/mo
Today · 4.125%
HK$38,156
baseline
▲ 0.50% · 4.625%
HK$40,167
+HK$2,011/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,312/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,839 · 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).