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$18,034
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,595
−HK$570/mo
Today · 4.125%
HK$19,165
baseline
▲ 0.50% · 4.625%
HK$20,332
+HK$1,167/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,330/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,063
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,601
−HK$546/mo
Today · 4.125%
HK$21,147
baseline
▲ 0.50% · 4.625%
HK$22,262
+HK$1,115/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,294/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,641
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,315
−HK$683/mo
Today · 4.125%
HK$22,998
baseline
▲ 0.50% · 4.625%
HK$24,398
+HK$1,400/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$45,996/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,076
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,722
−HK$655/mo
Today · 4.125%
HK$25,377
baseline
▲ 0.50% · 4.625%
HK$26,714
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$50,754/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,248
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,034
−HK$798/mo
Today · 4.125%
HK$26,832
baseline
▲ 0.50% · 4.625%
HK$28,464
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,664/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,088
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,842
−HK$764/mo
Today · 4.125%
HK$29,606
baseline
▲ 0.50% · 4.625%
HK$31,167
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,212/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,462
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,472
−HK$1,026/mo
Today · 4.125%
HK$34,498
baseline
▲ 0.50% · 4.625%
HK$36,597
+HK$2,099/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$68,996/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,114
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,082
−HK$983/mo
Today · 4.125%
HK$38,065
baseline
▲ 0.50% · 4.625%
HK$40,071
+HK$2,006/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,130/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,270 · 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).