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$18,110
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,673
−HK$572/mo
Today · 4.125%
HK$19,245
baseline
▲ 0.50% · 4.625%
HK$20,416
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,490/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,147
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,687
−HK$548/mo
Today · 4.125%
HK$21,235
baseline
▲ 0.50% · 4.625%
HK$22,355
+HK$1,120/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,470/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,732
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,408
−HK$686/mo
Today · 4.125%
HK$23,094
baseline
▲ 0.50% · 4.625%
HK$24,500
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,188/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,176
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,825
−HK$657/mo
Today · 4.125%
HK$25,482
baseline
▲ 0.50% · 4.625%
HK$26,826
+HK$1,344/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,964/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,354
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,142
−HK$801/mo
Today · 4.125%
HK$26,943
baseline
▲ 0.50% · 4.625%
HK$28,583
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,886/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,206
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,962
−HK$767/mo
Today · 4.125%
HK$29,729
baseline
▲ 0.50% · 4.625%
HK$31,297
+HK$1,568/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,458/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,597
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,611
−HK$1,031/mo
Today · 4.125%
HK$34,642
baseline
▲ 0.50% · 4.625%
HK$36,749
+HK$2,107/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,284/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,264
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,237
−HK$987/mo
Today · 4.125%
HK$38,224
baseline
▲ 0.50% · 4.625%
HK$40,238
+HK$2,014/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,448/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,259 · 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).