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$18,087
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,650
−HK$572/mo
Today · 4.125%
HK$19,222
baseline
▲ 0.50% · 4.625%
HK$20,391
+HK$1,169/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,444/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,122
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,662
−HK$547/mo
Today · 4.125%
HK$21,209
baseline
▲ 0.50% · 4.625%
HK$22,327
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,418/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,705
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,380
−HK$686/mo
Today · 4.125%
HK$23,066
baseline
▲ 0.50% · 4.625%
HK$24,469
+HK$1,403/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,132/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,146
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,794
−HK$657/mo
Today · 4.125%
HK$25,451
baseline
▲ 0.50% · 4.625%
HK$26,793
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,902/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,322
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,110
−HK$800/mo
Today · 4.125%
HK$26,910
baseline
▲ 0.50% · 4.625%
HK$28,548
+HK$1,638/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,820/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,171
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,926
−HK$767/mo
Today · 4.125%
HK$29,693
baseline
▲ 0.50% · 4.625%
HK$31,258
+HK$1,565/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,386/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,557
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,570
−HK$1,029/mo
Today · 4.125%
HK$34,599
baseline
▲ 0.50% · 4.625%
HK$36,704
+HK$2,105/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,198/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,220
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,191
−HK$986/mo
Today · 4.125%
HK$38,177
baseline
▲ 0.50% · 4.625%
HK$40,189
+HK$2,012/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,354/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,966 · 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).