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$18,126
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,690
−HK$573/mo
Today · 4.125%
HK$19,263
baseline
▲ 0.50% · 4.625%
HK$20,435
+HK$1,172/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,526/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,165
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,706
−HK$549/mo
Today · 4.125%
HK$21,255
baseline
▲ 0.50% · 4.625%
HK$22,375
+HK$1,120/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,510/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,752
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,428
−HK$688/mo
Today · 4.125%
HK$23,116
baseline
▲ 0.50% · 4.625%
HK$24,522
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,232/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,199
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,847
−HK$659/mo
Today · 4.125%
HK$25,506
baseline
▲ 0.50% · 4.625%
HK$26,850
+HK$1,344/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,012/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,377
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,166
−HK$802/mo
Today · 4.125%
HK$26,968
baseline
▲ 0.50% · 4.625%
HK$28,609
+HK$1,641/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,936/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,232
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,989
−HK$768/mo
Today · 4.125%
HK$29,757
baseline
▲ 0.50% · 4.625%
HK$31,325
+HK$1,568/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,514/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,627
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,642
−HK$1,032/mo
Today · 4.125%
HK$34,674
baseline
▲ 0.50% · 4.625%
HK$36,783
+HK$2,109/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$69,348/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,298
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,271
−HK$988/mo
Today · 4.125%
HK$38,259
baseline
▲ 0.50% · 4.625%
HK$40,275
+HK$2,016/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$76,518/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,479 · 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).