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$18,115
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,679
−HK$572/mo
Today · 4.125%
HK$19,251
baseline
▲ 0.50% · 4.625%
HK$20,423
+HK$1,172/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,502/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,153
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,694
−HK$548/mo
Today · 4.125%
HK$21,242
baseline
▲ 0.50% · 4.625%
HK$22,362
+HK$1,120/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,484/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,738
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,415
−HK$686/mo
Today · 4.125%
HK$23,101
baseline
▲ 0.50% · 4.625%
HK$24,507
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,202/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,184
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,832
−HK$658/mo
Today · 4.125%
HK$25,490
baseline
▲ 0.50% · 4.625%
HK$26,834
+HK$1,344/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,980/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,361
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,150
−HK$802/mo
Today · 4.125%
HK$26,952
baseline
▲ 0.50% · 4.625%
HK$28,592
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,904/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,214
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,971
−HK$768/mo
Today · 4.125%
HK$29,739
baseline
▲ 0.50% · 4.625%
HK$31,306
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,478/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,607
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,622
−HK$1,030/mo
Today · 4.125%
HK$34,652
baseline
▲ 0.50% · 4.625%
HK$36,761
+HK$2,109/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,304/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,275
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,248
−HK$987/mo
Today · 4.125%
HK$38,235
baseline
▲ 0.50% · 4.625%
HK$40,251
+HK$2,016/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,470/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,332 · 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).