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$18,042
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,603
−HK$571/mo
Today · 4.125%
HK$19,174
baseline
▲ 0.50% · 4.625%
HK$20,340
+HK$1,166/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,348/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,072
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,610
−HK$546/mo
Today · 4.125%
HK$21,156
baseline
▲ 0.50% · 4.625%
HK$22,271
+HK$1,115/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,312/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,651
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,324
−HK$684/mo
Today · 4.125%
HK$23,008
baseline
▲ 0.50% · 4.625%
HK$24,408
+HK$1,400/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$46,016/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,086
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,732
−HK$655/mo
Today · 4.125%
HK$25,387
baseline
▲ 0.50% · 4.625%
HK$26,725
+HK$1,338/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$50,774/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,259
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,045
−HK$798/mo
Today · 4.125%
HK$26,843
baseline
▲ 0.50% · 4.625%
HK$28,476
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,686/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,100
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,854
−HK$765/mo
Today · 4.125%
HK$29,619
baseline
▲ 0.50% · 4.625%
HK$31,180
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,238/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,476
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,486
−HK$1,026/mo
Today · 4.125%
HK$34,512
baseline
▲ 0.50% · 4.625%
HK$36,612
+HK$2,100/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,024/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,129
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,098
−HK$983/mo
Today · 4.125%
HK$38,081
baseline
▲ 0.50% · 4.625%
HK$40,088
+HK$2,007/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,162/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,370 · 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).