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$18,067
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,629
−HK$571/mo
Today · 4.125%
HK$19,200
baseline
▲ 0.50% · 4.625%
HK$20,368
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,400/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,099
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,638
−HK$547/mo
Today · 4.125%
HK$21,185
baseline
▲ 0.50% · 4.625%
HK$22,302
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,370/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,680
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,355
−HK$685/mo
Today · 4.125%
HK$23,040
baseline
▲ 0.50% · 4.625%
HK$24,442
+HK$1,402/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,080/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,119
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,766
−HK$656/mo
Today · 4.125%
HK$25,422
baseline
▲ 0.50% · 4.625%
HK$26,762
+HK$1,340/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,844/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,294
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,080
−HK$800/mo
Today · 4.125%
HK$26,880
baseline
▲ 0.50% · 4.625%
HK$28,515
+HK$1,635/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,760/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,139
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,893
−HK$766/mo
Today · 4.125%
HK$29,659
baseline
▲ 0.50% · 4.625%
HK$31,222
+HK$1,563/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,318/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,520
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,532
−HK$1,028/mo
Today · 4.125%
HK$34,560
baseline
▲ 0.50% · 4.625%
HK$36,662
+HK$2,102/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,120/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,178
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,149
−HK$984/mo
Today · 4.125%
HK$38,133
baseline
▲ 0.50% · 4.625%
HK$40,143
+HK$2,010/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,266/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,695 · 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).