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$18,118
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,682
−HK$573/mo
Today · 4.125%
HK$19,255
baseline
▲ 0.50% · 4.625%
HK$20,426
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,510/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,157
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,697
−HK$549/mo
Today · 4.125%
HK$21,246
baseline
▲ 0.50% · 4.625%
HK$22,365
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,492/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,742
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,418
−HK$687/mo
Today · 4.125%
HK$23,105
baseline
▲ 0.50% · 4.625%
HK$24,511
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,210/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,188
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,837
−HK$658/mo
Today · 4.125%
HK$25,495
baseline
▲ 0.50% · 4.625%
HK$26,838
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,990/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,366
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,155
−HK$801/mo
Today · 4.125%
HK$26,956
baseline
▲ 0.50% · 4.625%
HK$28,597
+HK$1,641/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,912/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,219
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,976
−HK$768/mo
Today · 4.125%
HK$29,744
baseline
▲ 0.50% · 4.625%
HK$31,312
+HK$1,568/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,488/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,613
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,628
−HK$1,030/mo
Today · 4.125%
HK$34,658
baseline
▲ 0.50% · 4.625%
HK$36,767
+HK$2,109/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$69,316/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,282
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,255
−HK$987/mo
Today · 4.125%
HK$38,242
baseline
▲ 0.50% · 4.625%
HK$40,258
+HK$2,016/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$76,484/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,374 · 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).