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$18,058
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,620
−HK$571/mo
Today · 4.125%
HK$19,191
baseline
▲ 0.50% · 4.625%
HK$20,358
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,382/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,089
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,628
−HK$547/mo
Today · 4.125%
HK$21,175
baseline
▲ 0.50% · 4.625%
HK$22,291
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,350/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,670
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,344
−HK$685/mo
Today · 4.125%
HK$23,029
baseline
▲ 0.50% · 4.625%
HK$24,430
+HK$1,401/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,058/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,107
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,754
−HK$656/mo
Today · 4.125%
HK$25,410
baseline
▲ 0.50% · 4.625%
HK$26,749
+HK$1,339/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,820/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,281
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,068
−HK$799/mo
Today · 4.125%
HK$26,867
baseline
▲ 0.50% · 4.625%
HK$28,502
+HK$1,635/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$53,734/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,125
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,880
−HK$765/mo
Today · 4.125%
HK$29,645
baseline
▲ 0.50% · 4.625%
HK$31,207
+HK$1,562/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$59,290/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,505
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,516
−HK$1,027/mo
Today · 4.125%
HK$34,543
baseline
▲ 0.50% · 4.625%
HK$36,645
+HK$2,102/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,086/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,161
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,131
−HK$984/mo
Today · 4.125%
HK$38,115
baseline
▲ 0.50% · 4.625%
HK$40,124
+HK$2,009/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,230/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,581 · 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).