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$20,360
+HK$1,168/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$237,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,091
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,630
−HK$546/mo
Today · 4.125%
HK$21,176
baseline
▲ 0.50% · 4.625%
HK$22,293
+HK$1,117/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$237,597 · 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$24,432
+HK$1,402/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$237,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,109
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,756
−HK$656/mo
Today · 4.125%
HK$25,412
baseline
▲ 0.50% · 4.625%
HK$26,751
+HK$1,339/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,824/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,283
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,070
−HK$799/mo
Today · 4.125%
HK$26,869
baseline
▲ 0.50% · 4.625%
HK$28,503
+HK$1,634/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$53,738/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,127
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,882
−HK$765/mo
Today · 4.125%
HK$29,647
baseline
▲ 0.50% · 4.625%
HK$31,210
+HK$1,563/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$59,294/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,507
−HK$2,038/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$237,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,164
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,133
−HK$984/mo
Today · 4.125%
HK$38,117
baseline
▲ 0.50% · 4.625%
HK$40,127
+HK$2,010/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$237,597 · 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).