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$18,128
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,692
−HK$573/mo
Today · 4.125%
HK$19,265
baseline
▲ 0.50% · 4.625%
HK$20,437
+HK$1,172/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,530/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,167
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,708
−HK$549/mo
Today · 4.125%
HK$21,257
baseline
▲ 0.50% · 4.625%
HK$22,377
+HK$1,120/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,514/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,754
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,430
−HK$688/mo
Today · 4.125%
HK$23,118
baseline
▲ 0.50% · 4.625%
HK$24,525
+HK$1,407/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,236/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,201
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,850
−HK$658/mo
Today · 4.125%
HK$25,508
baseline
▲ 0.50% · 4.625%
HK$26,853
+HK$1,345/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,016/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,379
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,169
−HK$802/mo
Today · 4.125%
HK$26,971
baseline
▲ 0.50% · 4.625%
HK$28,612
+HK$1,641/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,942/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,234
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,991
−HK$769/mo
Today · 4.125%
HK$29,760
baseline
▲ 0.50% · 4.625%
HK$31,328
+HK$1,568/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,520/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,631
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,646
−HK$1,031/mo
Today · 4.125%
HK$34,677
baseline
▲ 0.50% · 4.625%
HK$36,787
+HK$2,110/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$69,354/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,301
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,275
−HK$987/mo
Today · 4.125%
HK$38,262
baseline
▲ 0.50% · 4.625%
HK$40,279
+HK$2,017/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$76,524/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,501 · 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).