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$18,070
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,632
−HK$571/mo
Today · 4.125%
HK$19,203
baseline
▲ 0.50% · 4.625%
HK$20,372
+HK$1,169/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,406/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,103
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,642
−HK$547/mo
Today · 4.125%
HK$21,189
baseline
▲ 0.50% · 4.625%
HK$22,306
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,378/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,684
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,359
−HK$685/mo
Today · 4.125%
HK$23,044
baseline
▲ 0.50% · 4.625%
HK$24,446
+HK$1,402/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,088/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,123
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,770
−HK$657/mo
Today · 4.125%
HK$25,427
baseline
▲ 0.50% · 4.625%
HK$26,767
+HK$1,340/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,854/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,298
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,085
−HK$800/mo
Today · 4.125%
HK$26,885
baseline
▲ 0.50% · 4.625%
HK$28,520
+HK$1,635/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,770/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,144
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,899
−HK$765/mo
Today · 4.125%
HK$29,664
baseline
▲ 0.50% · 4.625%
HK$31,228
+HK$1,564/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,328/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,526
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,538
−HK$1,028/mo
Today · 4.125%
HK$34,566
baseline
▲ 0.50% · 4.625%
HK$36,669
+HK$2,103/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,132/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,185
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,156
−HK$984/mo
Today · 4.125%
HK$38,140
baseline
▲ 0.50% · 4.625%
HK$40,150
+HK$2,010/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,280/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,738 · 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).