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$18,076
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,638
−HK$572/mo
Today · 4.125%
HK$19,210
baseline
▲ 0.50% · 4.625%
HK$20,379
+HK$1,169/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,420/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,110
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,649
−HK$547/mo
Today · 4.125%
HK$21,196
baseline
▲ 0.50% · 4.625%
HK$22,313
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,392/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,691
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,366
−HK$686/mo
Today · 4.125%
HK$23,052
baseline
▲ 0.50% · 4.625%
HK$24,454
+HK$1,402/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,104/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,131
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,779
−HK$656/mo
Today · 4.125%
HK$25,435
baseline
▲ 0.50% · 4.625%
HK$26,776
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,870/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,307
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,094
−HK$800/mo
Today · 4.125%
HK$26,894
baseline
▲ 0.50% · 4.625%
HK$28,530
+HK$1,636/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,788/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,153
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,908
−HK$766/mo
Today · 4.125%
HK$29,674
baseline
▲ 0.50% · 4.625%
HK$31,239
+HK$1,565/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,348/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,537
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,549
−HK$1,028/mo
Today · 4.125%
HK$34,577
baseline
▲ 0.50% · 4.625%
HK$36,681
+HK$2,104/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$69,154/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,197
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,168
−HK$985/mo
Today · 4.125%
HK$38,153
baseline
▲ 0.50% · 4.625%
HK$40,164
+HK$2,011/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$76,306/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,818 · 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).