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$18,047
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,609
−HK$570/mo
Today · 4.125%
HK$19,179
baseline
▲ 0.50% · 4.625%
HK$20,346
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,358/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,077
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,616
−HK$546/mo
Today · 4.125%
HK$21,162
baseline
▲ 0.50% · 4.625%
HK$22,278
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,324/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,657
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,330
−HK$685/mo
Today · 4.125%
HK$23,015
baseline
▲ 0.50% · 4.625%
HK$24,415
+HK$1,400/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,030/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,093
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,739
−HK$656/mo
Today · 4.125%
HK$25,395
baseline
▲ 0.50% · 4.625%
HK$26,733
+HK$1,338/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,790/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,266
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,052
−HK$799/mo
Today · 4.125%
HK$26,851
baseline
▲ 0.50% · 4.625%
HK$28,484
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,702/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,108
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,862
−HK$765/mo
Today · 4.125%
HK$29,627
baseline
▲ 0.50% · 4.625%
HK$31,189
+HK$1,562/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,254/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,485
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,496
−HK$1,026/mo
Today · 4.125%
HK$34,522
baseline
▲ 0.50% · 4.625%
HK$36,623
+HK$2,101/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,044/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,139
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,109
−HK$983/mo
Today · 4.125%
HK$38,092
baseline
▲ 0.50% · 4.625%
HK$40,100
+HK$2,008/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,184/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,439 · 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).