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$18,040
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,601
−HK$570/mo
Today · 4.125%
HK$19,171
baseline
▲ 0.50% · 4.625%
HK$20,338
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,342/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,069
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,607
−HK$546/mo
Today · 4.125%
HK$21,153
baseline
▲ 0.50% · 4.625%
HK$22,268
+HK$1,115/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,306/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,648
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,321
−HK$684/mo
Today · 4.125%
HK$23,005
baseline
▲ 0.50% · 4.625%
HK$24,405
+HK$1,400/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$46,010/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,083
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,729
−HK$655/mo
Today · 4.125%
HK$25,384
baseline
▲ 0.50% · 4.625%
HK$26,722
+HK$1,338/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$50,768/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,256
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,041
−HK$798/mo
Today · 4.125%
HK$26,839
baseline
▲ 0.50% · 4.625%
HK$28,473
+HK$1,634/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,678/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,097
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,850
−HK$765/mo
Today · 4.125%
HK$29,615
baseline
▲ 0.50% · 4.625%
HK$31,176
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,230/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,472
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,482
−HK$1,026/mo
Today · 4.125%
HK$34,508
baseline
▲ 0.50% · 4.625%
HK$36,608
+HK$2,100/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,016/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,124
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,093
−HK$983/mo
Today · 4.125%
HK$38,076
baseline
▲ 0.50% · 4.625%
HK$40,083
+HK$2,007/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,152/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,339 · 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).