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$18,122
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,685
−HK$573/mo
Today · 4.125%
HK$19,258
baseline
▲ 0.50% · 4.625%
HK$20,430
+HK$1,172/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,516/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,160
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,701
−HK$548/mo
Today · 4.125%
HK$21,249
baseline
▲ 0.50% · 4.625%
HK$22,370
+HK$1,121/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,498/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,746
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,423
−HK$687/mo
Today · 4.125%
HK$23,110
baseline
▲ 0.50% · 4.625%
HK$24,516
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,220/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,192
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,841
−HK$658/mo
Today · 4.125%
HK$25,499
baseline
▲ 0.50% · 4.625%
HK$26,843
+HK$1,344/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,998/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,370
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,160
−HK$801/mo
Today · 4.125%
HK$26,961
baseline
▲ 0.50% · 4.625%
HK$28,602
+HK$1,641/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,922/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,224
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,981
−HK$768/mo
Today · 4.125%
HK$29,749
baseline
▲ 0.50% · 4.625%
HK$31,317
+HK$1,568/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,498/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,619
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,634
−HK$1,031/mo
Today · 4.125%
HK$34,665
baseline
▲ 0.50% · 4.625%
HK$36,774
+HK$2,109/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$69,330/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,289
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,262
−HK$987/mo
Today · 4.125%
HK$38,249
baseline
▲ 0.50% · 4.625%
HK$40,265
+HK$2,016/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$76,498/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,418 · 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).