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$18,121
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,684
−HK$573/mo
Today · 4.125%
HK$19,257
baseline
▲ 0.50% · 4.625%
HK$20,429
+HK$1,172/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,514/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,159
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,700
−HK$548/mo
Today · 4.125%
HK$21,248
baseline
▲ 0.50% · 4.625%
HK$22,368
+HK$1,120/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,496/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,745
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,421
−HK$687/mo
Today · 4.125%
HK$23,108
baseline
▲ 0.50% · 4.625%
HK$24,514
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,216/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,191
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,840
−HK$658/mo
Today · 4.125%
HK$25,498
baseline
▲ 0.50% · 4.625%
HK$26,842
+HK$1,344/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,996/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,369
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,158
−HK$802/mo
Today · 4.125%
HK$26,960
baseline
▲ 0.50% · 4.625%
HK$28,600
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,920/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,223
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,980
−HK$767/mo
Today · 4.125%
HK$29,747
baseline
▲ 0.50% · 4.625%
HK$31,315
+HK$1,568/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,494/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,617
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,632
−HK$1,031/mo
Today · 4.125%
HK$34,663
baseline
▲ 0.50% · 4.625%
HK$36,772
+HK$2,109/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$69,326/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,286
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,259
−HK$988/mo
Today · 4.125%
HK$38,247
baseline
▲ 0.50% · 4.625%
HK$40,263
+HK$2,016/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$76,494/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,403 · 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).