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$18,080
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,643
−HK$571/mo
Today · 4.125%
HK$19,214
baseline
▲ 0.50% · 4.625%
HK$20,383
+HK$1,169/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,428/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,114
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,654
−HK$547/mo
Today · 4.125%
HK$21,201
baseline
▲ 0.50% · 4.625%
HK$22,318
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,402/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,696
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,371
−HK$686/mo
Today · 4.125%
HK$23,057
baseline
▲ 0.50% · 4.625%
HK$24,460
+HK$1,403/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,114/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,137
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,784
−HK$657/mo
Today · 4.125%
HK$25,441
baseline
▲ 0.50% · 4.625%
HK$26,782
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,882/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,312
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,100
−HK$800/mo
Today · 4.125%
HK$26,900
baseline
▲ 0.50% · 4.625%
HK$28,536
+HK$1,636/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,800/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,160
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,915
−HK$766/mo
Today · 4.125%
HK$29,681
baseline
▲ 0.50% · 4.625%
HK$31,246
+HK$1,565/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,362/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,544
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,557
−HK$1,028/mo
Today · 4.125%
HK$34,585
baseline
▲ 0.50% · 4.625%
HK$36,690
+HK$2,105/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,170/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,205
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,176
−HK$985/mo
Today · 4.125%
HK$38,161
baseline
▲ 0.50% · 4.625%
HK$40,173
+HK$2,012/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,322/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,871 · 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).