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$18,062
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,624
−HK$571/mo
Today · 4.125%
HK$19,195
baseline
▲ 0.50% · 4.625%
HK$20,362
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,390/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,094
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,633
−HK$546/mo
Today · 4.125%
HK$21,179
baseline
▲ 0.50% · 4.625%
HK$22,296
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,358/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,674
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,348
−HK$685/mo
Today · 4.125%
HK$23,033
baseline
▲ 0.50% · 4.625%
HK$24,435
+HK$1,402/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,066/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,112
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,759
−HK$656/mo
Today · 4.125%
HK$25,415
baseline
▲ 0.50% · 4.625%
HK$26,755
+HK$1,340/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,830/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,287
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,073
−HK$799/mo
Today · 4.125%
HK$26,872
baseline
▲ 0.50% · 4.625%
HK$28,507
+HK$1,635/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$53,744/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,131
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,886
−HK$765/mo
Today · 4.125%
HK$29,651
baseline
▲ 0.50% · 4.625%
HK$31,214
+HK$1,563/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$59,302/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,511
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,523
−HK$1,027/mo
Today · 4.125%
HK$34,550
baseline
▲ 0.50% · 4.625%
HK$36,652
+HK$2,102/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,100/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,169
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,139
−HK$984/mo
Today · 4.125%
HK$38,123
baseline
▲ 0.50% · 4.625%
HK$40,132
+HK$2,009/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,246/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,630 · 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).