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$18,045
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,606
−HK$571/mo
Today · 4.125%
HK$19,177
baseline
▲ 0.50% · 4.625%
HK$20,343
+HK$1,166/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,354/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,075
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,613
−HK$546/mo
Today · 4.125%
HK$21,159
baseline
▲ 0.50% · 4.625%
HK$22,275
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,318/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,654
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,328
−HK$684/mo
Today · 4.125%
HK$23,012
baseline
▲ 0.50% · 4.625%
HK$24,412
+HK$1,400/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,024/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,090
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,736
−HK$655/mo
Today · 4.125%
HK$25,391
baseline
▲ 0.50% · 4.625%
HK$26,730
+HK$1,339/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,782/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,263
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,049
−HK$798/mo
Today · 4.125%
HK$26,847
baseline
▲ 0.50% · 4.625%
HK$28,481
+HK$1,634/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,694/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,105
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,859
−HK$764/mo
Today · 4.125%
HK$29,623
baseline
▲ 0.50% · 4.625%
HK$31,185
+HK$1,562/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,246/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,481
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,491
−HK$1,027/mo
Today · 4.125%
HK$34,518
baseline
▲ 0.50% · 4.625%
HK$36,618
+HK$2,100/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,036/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,135
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,104
−HK$983/mo
Today · 4.125%
HK$38,087
baseline
▲ 0.50% · 4.625%
HK$40,095
+HK$2,008/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,174/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,408 · 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).