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$18,128
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,692
−HK$572/mo
Today · 4.125%
HK$19,264
baseline
▲ 0.50% · 4.625%
HK$20,437
+HK$1,173/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,528/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,167
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,708
−HK$548/mo
Today · 4.125%
HK$21,256
baseline
▲ 0.50% · 4.625%
HK$22,377
+HK$1,121/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,512/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,753
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,430
−HK$687/mo
Today · 4.125%
HK$23,117
baseline
▲ 0.50% · 4.625%
HK$24,524
+HK$1,407/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,234/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,200
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,849
−HK$659/mo
Today · 4.125%
HK$25,508
baseline
▲ 0.50% · 4.625%
HK$26,852
+HK$1,344/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,016/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,379
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,168
−HK$802/mo
Today · 4.125%
HK$26,970
baseline
▲ 0.50% · 4.625%
HK$28,611
+HK$1,641/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,940/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,234
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,991
−HK$768/mo
Today · 4.125%
HK$29,759
baseline
▲ 0.50% · 4.625%
HK$31,328
+HK$1,569/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,518/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,630
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,645
−HK$1,031/mo
Today · 4.125%
HK$34,676
baseline
▲ 0.50% · 4.625%
HK$36,786
+HK$2,110/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$69,352/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,300
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,274
−HK$987/mo
Today · 4.125%
HK$38,261
baseline
▲ 0.50% · 4.625%
HK$40,278
+HK$2,017/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$76,522/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,495 · 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).