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$18,051
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,613
−HK$570/mo
Today · 4.125%
HK$19,183
baseline
▲ 0.50% · 4.625%
HK$20,351
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,366/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,082
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,621
−HK$546/mo
Today · 4.125%
HK$21,167
baseline
▲ 0.50% · 4.625%
HK$22,283
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,334/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,662
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,336
−HK$684/mo
Today · 4.125%
HK$23,020
baseline
▲ 0.50% · 4.625%
HK$24,421
+HK$1,401/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,040/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,098
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,745
−HK$655/mo
Today · 4.125%
HK$25,400
baseline
▲ 0.50% · 4.625%
HK$26,739
+HK$1,339/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,800/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,272
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,058
−HK$799/mo
Today · 4.125%
HK$26,857
baseline
▲ 0.50% · 4.625%
HK$28,491
+HK$1,634/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,714/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,115
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,869
−HK$765/mo
Today · 4.125%
HK$29,634
baseline
▲ 0.50% · 4.625%
HK$31,196
+HK$1,562/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,268/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,493
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,503
−HK$1,027/mo
Today · 4.125%
HK$34,530
baseline
▲ 0.50% · 4.625%
HK$36,631
+HK$2,101/mo
Deposit HK$792K · loan HK$7.12M · min. income ≈ HK$69,060/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,148
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,117
−HK$984/mo
Today · 4.125%
HK$38,101
baseline
▲ 0.50% · 4.625%
HK$40,109
+HK$2,008/mo
Deposit HK$792K · loan HK$7.12M · min. income ≈ HK$76,202/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,493 · 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).