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$18,028
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,589
−HK$569/mo
Today · 4.125%
HK$19,158
baseline
▲ 0.50% · 4.625%
HK$20,324
+HK$1,166/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,316/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,056
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,594
−HK$545/mo
Today · 4.125%
HK$21,139
baseline
▲ 0.50% · 4.625%
HK$22,254
+HK$1,115/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,278/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,634
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,306
−HK$684/mo
Today · 4.125%
HK$22,990
baseline
▲ 0.50% · 4.625%
HK$24,389
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,980/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,067
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,713
−HK$654/mo
Today · 4.125%
HK$25,367
baseline
▲ 0.50% · 4.625%
HK$26,704
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,734/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,239
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,024
−HK$798/mo
Today · 4.125%
HK$26,822
baseline
▲ 0.50% · 4.625%
HK$28,454
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,644/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,078
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,831
−HK$764/mo
Today · 4.125%
HK$29,595
baseline
▲ 0.50% · 4.625%
HK$31,155
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,190/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,450
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,460
−HK$1,025/mo
Today · 4.125%
HK$34,485
baseline
▲ 0.50% · 4.625%
HK$36,584
+HK$2,099/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$68,970/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,101
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,069
−HK$982/mo
Today · 4.125%
HK$38,051
baseline
▲ 0.50% · 4.625%
HK$40,057
+HK$2,006/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,102/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,183 · 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).