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$18,027
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,588
−HK$570/mo
Today · 4.125%
HK$19,158
baseline
▲ 0.50% · 4.625%
HK$20,323
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,316/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,055
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,593
−HK$545/mo
Today · 4.125%
HK$21,138
baseline
▲ 0.50% · 4.625%
HK$22,253
+HK$1,115/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,276/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,633
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,305
−HK$684/mo
Today · 4.125%
HK$22,989
baseline
▲ 0.50% · 4.625%
HK$24,388
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,978/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,066
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,711
−HK$655/mo
Today · 4.125%
HK$25,366
baseline
▲ 0.50% · 4.625%
HK$26,703
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,732/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,238
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,023
−HK$798/mo
Today · 4.125%
HK$26,821
baseline
▲ 0.50% · 4.625%
HK$28,453
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,642/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,077
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,830
−HK$764/mo
Today · 4.125%
HK$29,594
baseline
▲ 0.50% · 4.625%
HK$31,154
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,188/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,449
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,458
−HK$1,026/mo
Today · 4.125%
HK$34,484
baseline
▲ 0.50% · 4.625%
HK$36,582
+HK$2,098/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$68,968/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,099
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,067
−HK$982/mo
Today · 4.125%
HK$38,049
baseline
▲ 0.50% · 4.625%
HK$40,055
+HK$2,006/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,098/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,173 · 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).