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$18,059
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,621
−HK$571/mo
Today · 4.125%
HK$19,192
baseline
▲ 0.50% · 4.625%
HK$20,359
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,384/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,091
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,629
−HK$547/mo
Today · 4.125%
HK$21,176
baseline
▲ 0.50% · 4.625%
HK$22,292
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,352/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,671
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,345
−HK$685/mo
Today · 4.125%
HK$23,030
baseline
▲ 0.50% · 4.625%
HK$24,431
+HK$1,401/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,060/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,109
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,755
−HK$656/mo
Today · 4.125%
HK$25,411
baseline
▲ 0.50% · 4.625%
HK$26,751
+HK$1,340/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,822/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,283
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,069
−HK$799/mo
Today · 4.125%
HK$26,868
baseline
▲ 0.50% · 4.625%
HK$28,503
+HK$1,635/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$53,736/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,127
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,881
−HK$765/mo
Today · 4.125%
HK$29,646
baseline
▲ 0.50% · 4.625%
HK$31,209
+HK$1,563/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$59,292/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,506
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,518
−HK$1,027/mo
Today · 4.125%
HK$34,545
baseline
▲ 0.50% · 4.625%
HK$36,647
+HK$2,102/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,090/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,163
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,133
−HK$984/mo
Today · 4.125%
HK$38,117
baseline
▲ 0.50% · 4.625%
HK$40,126
+HK$2,009/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,234/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,594 · 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).