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$18,061
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,623
−HK$571/mo
Today · 4.125%
HK$19,194
baseline
▲ 0.50% · 4.625%
HK$20,361
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,388/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,093
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,632
−HK$546/mo
Today · 4.125%
HK$21,178
baseline
▲ 0.50% · 4.625%
HK$22,295
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,356/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,673
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,347
−HK$685/mo
Today · 4.125%
HK$23,032
baseline
▲ 0.50% · 4.625%
HK$24,434
+HK$1,402/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,064/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,111
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,758
−HK$656/mo
Today · 4.125%
HK$25,414
baseline
▲ 0.50% · 4.625%
HK$26,753
+HK$1,339/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,828/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,285
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,072
−HK$799/mo
Today · 4.125%
HK$26,871
baseline
▲ 0.50% · 4.625%
HK$28,506
+HK$1,635/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$53,742/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,130
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,884
−HK$766/mo
Today · 4.125%
HK$29,650
baseline
▲ 0.50% · 4.625%
HK$31,212
+HK$1,562/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$59,300/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,510
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,521
−HK$1,027/mo
Today · 4.125%
HK$34,548
baseline
▲ 0.50% · 4.625%
HK$36,651
+HK$2,103/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,096/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,167
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,137
−HK$984/mo
Today · 4.125%
HK$38,121
baseline
▲ 0.50% · 4.625%
HK$40,130
+HK$2,009/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,242/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,619 · 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).