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$18,071
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,633
−HK$571/mo
Today · 4.125%
HK$19,204
baseline
▲ 0.50% · 4.625%
HK$20,372
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,408/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,103
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,643
−HK$547/mo
Today · 4.125%
HK$21,190
baseline
▲ 0.50% · 4.625%
HK$22,306
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,380/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,685
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,359
−HK$686/mo
Today · 4.125%
HK$23,045
baseline
▲ 0.50% · 4.625%
HK$24,447
+HK$1,402/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,090/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,124
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,771
−HK$656/mo
Today · 4.125%
HK$25,427
baseline
▲ 0.50% · 4.625%
HK$26,768
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,854/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,299
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,086
−HK$799/mo
Today · 4.125%
HK$26,885
baseline
▲ 0.50% · 4.625%
HK$28,521
+HK$1,636/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,770/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,145
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,900
−HK$765/mo
Today · 4.125%
HK$29,665
baseline
▲ 0.50% · 4.625%
HK$31,229
+HK$1,564/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,330/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,527
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,539
−HK$1,028/mo
Today · 4.125%
HK$34,567
baseline
▲ 0.50% · 4.625%
HK$36,670
+HK$2,103/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,134/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,186
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,157
−HK$984/mo
Today · 4.125%
HK$38,141
baseline
▲ 0.50% · 4.625%
HK$40,152
+HK$2,011/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,282/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,745 · 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).