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$18,120
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,683
−HK$573/mo
Today · 4.125%
HK$19,256
baseline
▲ 0.50% · 4.625%
HK$20,428
+HK$1,172/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,512/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,158
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,699
−HK$548/mo
Today · 4.125%
HK$21,247
baseline
▲ 0.50% · 4.625%
HK$22,367
+HK$1,120/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,494/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,744
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,420
−HK$687/mo
Today · 4.125%
HK$23,107
baseline
▲ 0.50% · 4.625%
HK$24,513
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,214/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,190
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,838
−HK$659/mo
Today · 4.125%
HK$25,497
baseline
▲ 0.50% · 4.625%
HK$26,841
+HK$1,344/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,994/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,368
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,157
−HK$801/mo
Today · 4.125%
HK$26,958
baseline
▲ 0.50% · 4.625%
HK$28,599
+HK$1,641/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,916/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,221
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,978
−HK$768/mo
Today · 4.125%
HK$29,746
baseline
▲ 0.50% · 4.625%
HK$31,314
+HK$1,568/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,492/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,616
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,630
−HK$1,031/mo
Today · 4.125%
HK$34,661
baseline
▲ 0.50% · 4.625%
HK$36,770
+HK$2,109/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$69,322/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,284
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,258
−HK$987/mo
Today · 4.125%
HK$38,245
baseline
▲ 0.50% · 4.625%
HK$40,261
+HK$2,016/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$76,490/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,392 · 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).