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$18,030
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,590
−HK$570/mo
Today · 4.125%
HK$19,160
baseline
▲ 0.50% · 4.625%
HK$20,326
+HK$1,166/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,320/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,058
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,596
−HK$545/mo
Today · 4.125%
HK$21,141
baseline
▲ 0.50% · 4.625%
HK$22,256
+HK$1,115/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,282/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,636
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,309
−HK$683/mo
Today · 4.125%
HK$22,992
baseline
▲ 0.50% · 4.625%
HK$24,391
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,984/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,069
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,715
−HK$655/mo
Today · 4.125%
HK$25,370
baseline
▲ 0.50% · 4.625%
HK$26,707
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,740/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,242
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,027
−HK$797/mo
Today · 4.125%
HK$26,824
baseline
▲ 0.50% · 4.625%
HK$28,457
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,648/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,081
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,834
−HK$764/mo
Today · 4.125%
HK$29,598
baseline
▲ 0.50% · 4.625%
HK$31,158
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,196/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,453
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,463
−HK$1,026/mo
Today · 4.125%
HK$34,489
baseline
▲ 0.50% · 4.625%
HK$36,587
+HK$2,098/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$68,978/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,104
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,072
−HK$983/mo
Today · 4.125%
HK$38,055
baseline
▲ 0.50% · 4.625%
HK$40,061
+HK$2,006/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,110/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,206 · 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).