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$1,137/mo
▼ 0.25% · 3.875%
HK$18,685
−HK$573/mo
Today · 4.125%
HK$19,258
baseline
▲ 0.50% · 4.625%
HK$20,429
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,516/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,160
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,700
−HK$549/mo
Today · 4.125%
HK$21,249
baseline
▲ 0.50% · 4.625%
HK$22,369
+HK$1,120/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,498/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,745
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,422
−HK$687/mo
Today · 4.125%
HK$23,109
baseline
▲ 0.50% · 4.625%
HK$24,515
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,218/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,192
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,840
−HK$659/mo
Today · 4.125%
HK$25,499
baseline
▲ 0.50% · 4.625%
HK$26,843
+HK$1,344/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,998/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,370
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,159
−HK$802/mo
Today · 4.125%
HK$26,961
baseline
▲ 0.50% · 4.625%
HK$28,601
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,922/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,224
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,980
−HK$768/mo
Today · 4.125%
HK$29,748
baseline
▲ 0.50% · 4.625%
HK$31,316
+HK$1,568/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,496/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,618
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,633
−HK$1,031/mo
Today · 4.125%
HK$34,664
baseline
▲ 0.50% · 4.625%
HK$36,773
+HK$2,109/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$69,328/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,287
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,261
−HK$987/mo
Today · 4.125%
HK$38,248
baseline
▲ 0.50% · 4.625%
HK$40,264
+HK$2,016/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$76,496/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,411 · 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).