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$18,097
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,660
−HK$572/mo
Today · 4.125%
HK$19,232
baseline
▲ 0.50% · 4.625%
HK$20,402
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,464/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,133
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,673
−HK$547/mo
Today · 4.125%
HK$21,220
baseline
▲ 0.50% · 4.625%
HK$22,339
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,440/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,716
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,392
−HK$686/mo
Today · 4.125%
HK$23,078
baseline
▲ 0.50% · 4.625%
HK$24,482
+HK$1,404/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,156/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,159
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,807
−HK$657/mo
Today · 4.125%
HK$25,464
baseline
▲ 0.50% · 4.625%
HK$26,807
+HK$1,343/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,928/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,336
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,124
−HK$800/mo
Today · 4.125%
HK$26,924
baseline
▲ 0.50% · 4.625%
HK$28,563
+HK$1,639/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,848/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,186
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,942
−HK$766/mo
Today · 4.125%
HK$29,708
baseline
▲ 0.50% · 4.625%
HK$31,274
+HK$1,566/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,416/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,574
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,588
−HK$1,029/mo
Today · 4.125%
HK$34,617
baseline
▲ 0.50% · 4.625%
HK$36,724
+HK$2,107/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$69,234/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,239
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,211
−HK$986/mo
Today · 4.125%
HK$38,197
baseline
▲ 0.50% · 4.625%
HK$40,210
+HK$2,013/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$76,394/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,091 · 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).