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$18,101
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,664
−HK$572/mo
Today · 4.125%
HK$19,236
baseline
▲ 0.50% · 4.625%
HK$20,407
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,472/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,138
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,678
−HK$548/mo
Today · 4.125%
HK$21,226
baseline
▲ 0.50% · 4.625%
HK$22,344
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,452/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,722
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,397
−HK$687/mo
Today · 4.125%
HK$23,084
baseline
▲ 0.50% · 4.625%
HK$24,488
+HK$1,404/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$46,168/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,165
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,813
−HK$658/mo
Today · 4.125%
HK$25,471
baseline
▲ 0.50% · 4.625%
HK$26,813
+HK$1,342/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$50,942/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,342
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,130
−HK$801/mo
Today · 4.125%
HK$26,931
baseline
▲ 0.50% · 4.625%
HK$28,570
+HK$1,639/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,862/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,193
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,949
−HK$767/mo
Today · 4.125%
HK$29,716
baseline
▲ 0.50% · 4.625%
HK$31,282
+HK$1,566/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,432/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,582
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,596
−HK$1,030/mo
Today · 4.125%
HK$34,626
baseline
▲ 0.50% · 4.625%
HK$36,733
+HK$2,107/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$69,252/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,248
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,220
−HK$986/mo
Today · 4.125%
HK$38,206
baseline
▲ 0.50% · 4.625%
HK$40,220
+HK$2,014/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$76,412/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,149 · 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).