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$18,085
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,647
−HK$572/mo
Today · 4.125%
HK$19,219
baseline
▲ 0.50% · 4.625%
HK$20,388
+HK$1,169/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,438/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,119
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,659
−HK$547/mo
Today · 4.125%
HK$21,206
baseline
▲ 0.50% · 4.625%
HK$22,324
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,412/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,702
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,377
−HK$686/mo
Today · 4.125%
HK$23,063
baseline
▲ 0.50% · 4.625%
HK$24,466
+HK$1,403/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,126/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,143
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,790
−HK$657/mo
Today · 4.125%
HK$25,447
baseline
▲ 0.50% · 4.625%
HK$26,789
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,894/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,319
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,106
−HK$800/mo
Today · 4.125%
HK$26,906
baseline
▲ 0.50% · 4.625%
HK$28,543
+HK$1,637/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,812/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,167
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,922
−HK$766/mo
Today · 4.125%
HK$29,688
baseline
▲ 0.50% · 4.625%
HK$31,253
+HK$1,565/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,376/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,552
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,565
−HK$1,029/mo
Today · 4.125%
HK$34,594
baseline
▲ 0.50% · 4.625%
HK$36,699
+HK$2,105/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,188/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,214
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,186
−HK$985/mo
Today · 4.125%
HK$38,171
baseline
▲ 0.50% · 4.625%
HK$40,183
+HK$2,012/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,342/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,930 · 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).