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$18,104
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,668
−HK$572/mo
Today · 4.125%
HK$19,240
baseline
▲ 0.50% · 4.625%
HK$20,410
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,480/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,141
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,681
−HK$548/mo
Today · 4.125%
HK$21,229
baseline
▲ 0.50% · 4.625%
HK$22,348
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,458/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,725
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,401
−HK$687/mo
Today · 4.125%
HK$23,088
baseline
▲ 0.50% · 4.625%
HK$24,493
+HK$1,405/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$46,176/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,169
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,817
−HK$658/mo
Today · 4.125%
HK$25,475
baseline
▲ 0.50% · 4.625%
HK$26,818
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$50,950/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,346
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,135
−HK$801/mo
Today · 4.125%
HK$26,936
baseline
▲ 0.50% · 4.625%
HK$28,575
+HK$1,639/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,872/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,197
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,954
−HK$767/mo
Today · 4.125%
HK$29,721
baseline
▲ 0.50% · 4.625%
HK$31,288
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,442/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,588
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,602
−HK$1,030/mo
Today · 4.125%
HK$34,632
baseline
▲ 0.50% · 4.625%
HK$36,739
+HK$2,107/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,264/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,254
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,226
−HK$987/mo
Today · 4.125%
HK$38,213
baseline
▲ 0.50% · 4.625%
HK$40,227
+HK$2,014/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,426/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,191 · 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).