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$18,028
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,589
−HK$570/mo
Today · 4.125%
HK$19,159
baseline
▲ 0.50% · 4.625%
HK$20,325
+HK$1,166/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,318/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,057
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,594
−HK$546/mo
Today · 4.125%
HK$21,140
baseline
▲ 0.50% · 4.625%
HK$22,254
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,280/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,634
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,307
−HK$684/mo
Today · 4.125%
HK$22,991
baseline
▲ 0.50% · 4.625%
HK$24,390
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,982/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,068
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,713
−HK$655/mo
Today · 4.125%
HK$25,368
baseline
▲ 0.50% · 4.625%
HK$26,705
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,736/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,240
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,025
−HK$798/mo
Today · 4.125%
HK$26,823
baseline
▲ 0.50% · 4.625%
HK$28,455
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,646/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,079
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,832
−HK$764/mo
Today · 4.125%
HK$29,596
baseline
▲ 0.50% · 4.625%
HK$31,156
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,192/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,451
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,461
−HK$1,025/mo
Today · 4.125%
HK$34,486
baseline
▲ 0.50% · 4.625%
HK$36,585
+HK$2,099/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$68,972/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,102
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,070
−HK$982/mo
Today · 4.125%
HK$38,052
baseline
▲ 0.50% · 4.625%
HK$40,058
+HK$2,006/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,104/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,191 · 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).