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$18,099
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,662
−HK$572/mo
Today · 4.125%
HK$19,234
baseline
▲ 0.50% · 4.625%
HK$20,405
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,468/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,135
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,675
−HK$548/mo
Today · 4.125%
HK$21,223
baseline
▲ 0.50% · 4.625%
HK$22,342
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,446/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,719
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,395
−HK$686/mo
Today · 4.125%
HK$23,081
baseline
▲ 0.50% · 4.625%
HK$24,486
+HK$1,405/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,162/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,163
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,811
−HK$657/mo
Today · 4.125%
HK$25,468
baseline
▲ 0.50% · 4.625%
HK$26,810
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,936/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,339
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,127
−HK$801/mo
Today · 4.125%
HK$26,928
baseline
▲ 0.50% · 4.625%
HK$28,567
+HK$1,639/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,856/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,190
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,946
−HK$767/mo
Today · 4.125%
HK$29,713
baseline
▲ 0.50% · 4.625%
HK$31,279
+HK$1,566/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,426/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,579
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,592
−HK$1,030/mo
Today · 4.125%
HK$34,622
baseline
▲ 0.50% · 4.625%
HK$36,729
+HK$2,107/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$69,244/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,244
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,216
−HK$986/mo
Today · 4.125%
HK$38,202
baseline
▲ 0.50% · 4.625%
HK$40,216
+HK$2,014/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$76,404/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,124 · 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).