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$18,117
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,680
−HK$573/mo
Today · 4.125%
HK$19,253
baseline
▲ 0.50% · 4.625%
HK$20,424
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,506/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,155
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,695
−HK$549/mo
Today · 4.125%
HK$21,244
baseline
▲ 0.50% · 4.625%
HK$22,363
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,488/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,740
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,416
−HK$687/mo
Today · 4.125%
HK$23,103
baseline
▲ 0.50% · 4.625%
HK$24,509
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,206/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,186
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,834
−HK$658/mo
Today · 4.125%
HK$25,492
baseline
▲ 0.50% · 4.625%
HK$26,836
+HK$1,344/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,984/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,363
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,152
−HK$802/mo
Today · 4.125%
HK$26,954
baseline
▲ 0.50% · 4.625%
HK$28,594
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,908/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,217
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,973
−HK$768/mo
Today · 4.125%
HK$29,741
baseline
▲ 0.50% · 4.625%
HK$31,309
+HK$1,568/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,482/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,610
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,625
−HK$1,030/mo
Today · 4.125%
HK$34,655
baseline
▲ 0.50% · 4.625%
HK$36,764
+HK$2,109/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$69,310/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,279
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,251
−HK$988/mo
Today · 4.125%
HK$38,239
baseline
▲ 0.50% · 4.625%
HK$40,254
+HK$2,015/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$76,478/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,352 · 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).