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$1,131/mo
▼ 0.25% · 3.875%
HK$18,591
−HK$570/mo
Today · 4.125%
HK$19,161
baseline
▲ 0.50% · 4.625%
HK$20,327
+HK$1,166/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,322/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,058
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,596
−HK$546/mo
Today · 4.125%
HK$21,142
baseline
▲ 0.50% · 4.625%
HK$22,257
+HK$1,115/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,284/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,636
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,309
−HK$684/mo
Today · 4.125%
HK$22,993
baseline
▲ 0.50% · 4.625%
HK$24,392
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,986/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,070
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,716
−HK$655/mo
Today · 4.125%
HK$25,371
baseline
▲ 0.50% · 4.625%
HK$26,708
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,742/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,242
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,028
−HK$797/mo
Today · 4.125%
HK$26,825
baseline
▲ 0.50% · 4.625%
HK$28,457
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,650/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,082
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,835
−HK$764/mo
Today · 4.125%
HK$29,599
baseline
▲ 0.50% · 4.625%
HK$31,159
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,198/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,454
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,464
−HK$1,026/mo
Today · 4.125%
HK$34,490
baseline
▲ 0.50% · 4.625%
HK$36,588
+HK$2,098/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$68,980/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,105
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,074
−HK$982/mo
Today · 4.125%
HK$38,056
baseline
▲ 0.50% · 4.625%
HK$40,062
+HK$2,006/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,112/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,214 · 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).