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$18,047
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,608
−HK$570/mo
Today · 4.125%
HK$19,178
baseline
▲ 0.50% · 4.625%
HK$20,345
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,356/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,077
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,615
−HK$546/mo
Today · 4.125%
HK$21,161
baseline
▲ 0.50% · 4.625%
HK$22,277
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,322/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,656
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,329
−HK$685/mo
Today · 4.125%
HK$23,014
baseline
▲ 0.50% · 4.625%
HK$24,414
+HK$1,400/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,028/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,092
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,738
−HK$655/mo
Today · 4.125%
HK$25,393
baseline
▲ 0.50% · 4.625%
HK$26,732
+HK$1,339/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,786/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,265
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,051
−HK$798/mo
Today · 4.125%
HK$26,849
baseline
▲ 0.50% · 4.625%
HK$28,483
+HK$1,634/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,698/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,107
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,861
−HK$765/mo
Today · 4.125%
HK$29,626
baseline
▲ 0.50% · 4.625%
HK$31,187
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,252/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,484
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,494
−HK$1,027/mo
Today · 4.125%
HK$34,521
baseline
▲ 0.50% · 4.625%
HK$36,621
+HK$2,100/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,042/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,138
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,107
−HK$983/mo
Today · 4.125%
HK$38,090
baseline
▲ 0.50% · 4.625%
HK$40,098
+HK$2,008/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,180/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,428 · 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).