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$18,112
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,675
−HK$572/mo
Today · 4.125%
HK$19,247
baseline
▲ 0.50% · 4.625%
HK$20,419
+HK$1,172/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,494/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,149
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,689
−HK$549/mo
Today · 4.125%
HK$21,238
baseline
▲ 0.50% · 4.625%
HK$22,357
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,476/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,734
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,410
−HK$687/mo
Today · 4.125%
HK$23,097
baseline
▲ 0.50% · 4.625%
HK$24,502
+HK$1,405/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,194/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,179
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,827
−HK$658/mo
Today · 4.125%
HK$25,485
baseline
▲ 0.50% · 4.625%
HK$26,829
+HK$1,344/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,970/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,356
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,145
−HK$801/mo
Today · 4.125%
HK$26,946
baseline
▲ 0.50% · 4.625%
HK$28,586
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,892/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,209
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,965
−HK$768/mo
Today · 4.125%
HK$29,733
baseline
▲ 0.50% · 4.625%
HK$31,300
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,466/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,601
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,615
−HK$1,030/mo
Today · 4.125%
HK$34,645
baseline
▲ 0.50% · 4.625%
HK$36,754
+HK$2,109/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,290/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,268
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,241
−HK$987/mo
Today · 4.125%
HK$38,228
baseline
▲ 0.50% · 4.625%
HK$40,243
+HK$2,015/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,456/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,286 · 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).