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$18,037
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,598
−HK$570/mo
Today · 4.125%
HK$19,168
baseline
▲ 0.50% · 4.625%
HK$20,335
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,336/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,066
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,605
−HK$545/mo
Today · 4.125%
HK$21,150
baseline
▲ 0.50% · 4.625%
HK$22,265
+HK$1,115/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,300/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,645
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,318
−HK$684/mo
Today · 4.125%
HK$23,002
baseline
▲ 0.50% · 4.625%
HK$24,402
+HK$1,400/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$46,004/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,080
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,725
−HK$656/mo
Today · 4.125%
HK$25,381
baseline
▲ 0.50% · 4.625%
HK$26,718
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$50,762/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,252
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,038
−HK$798/mo
Today · 4.125%
HK$26,836
baseline
▲ 0.50% · 4.625%
HK$28,469
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,672/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,093
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,846
−HK$765/mo
Today · 4.125%
HK$29,611
baseline
▲ 0.50% · 4.625%
HK$31,172
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,222/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,467
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,477
−HK$1,026/mo
Today · 4.125%
HK$34,503
baseline
▲ 0.50% · 4.625%
HK$36,603
+HK$2,100/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,006/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,119
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,088
−HK$983/mo
Today · 4.125%
HK$38,071
baseline
▲ 0.50% · 4.625%
HK$40,078
+HK$2,007/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,142/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,307 · 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).