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$18,106
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,670
−HK$572/mo
Today · 4.125%
HK$19,242
baseline
▲ 0.50% · 4.625%
HK$20,413
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,484/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,143
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,683
−HK$548/mo
Today · 4.125%
HK$21,231
baseline
▲ 0.50% · 4.625%
HK$22,351
+HK$1,120/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,462/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,728
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,403
−HK$687/mo
Today · 4.125%
HK$23,090
baseline
▲ 0.50% · 4.625%
HK$24,495
+HK$1,405/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$46,180/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,172
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,820
−HK$658/mo
Today · 4.125%
HK$25,478
baseline
▲ 0.50% · 4.625%
HK$26,821
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$50,956/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,349
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,137
−HK$801/mo
Today · 4.125%
HK$26,938
baseline
▲ 0.50% · 4.625%
HK$28,578
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,876/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,200
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,957
−HK$767/mo
Today · 4.125%
HK$29,724
baseline
▲ 0.50% · 4.625%
HK$31,291
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,448/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,591
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,605
−HK$1,030/mo
Today · 4.125%
HK$34,635
baseline
▲ 0.50% · 4.625%
HK$36,743
+HK$2,108/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,270/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,258
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,230
−HK$986/mo
Today · 4.125%
HK$38,216
baseline
▲ 0.50% · 4.625%
HK$40,231
+HK$2,015/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,432/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,215 · 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).