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$18,091
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,654
−HK$572/mo
Today · 4.125%
HK$19,226
baseline
▲ 0.50% · 4.625%
HK$20,395
+HK$1,169/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,452/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$238,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,126
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,666
−HK$548/mo
Today · 4.125%
HK$21,214
baseline
▲ 0.50% · 4.625%
HK$22,332
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,428/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$238,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,709
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,385
−HK$686/mo
Today · 4.125%
HK$23,071
baseline
▲ 0.50% · 4.625%
HK$24,475
+HK$1,404/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,142/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,151
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,799
−HK$657/mo
Today · 4.125%
HK$25,456
baseline
▲ 0.50% · 4.625%
HK$26,798
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,912/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,328
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,115
−HK$801/mo
Today · 4.125%
HK$26,916
baseline
▲ 0.50% · 4.625%
HK$28,554
+HK$1,638/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,832/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,177
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,932
−HK$767/mo
Today · 4.125%
HK$29,699
baseline
▲ 0.50% · 4.625%
HK$31,265
+HK$1,566/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,398/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,564
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,577
−HK$1,029/mo
Today · 4.125%
HK$34,606
baseline
▲ 0.50% · 4.625%
HK$36,712
+HK$2,106/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,212/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,227
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,199
−HK$985/mo
Today · 4.125%
HK$38,184
baseline
▲ 0.50% · 4.625%
HK$40,197
+HK$2,013/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,368/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,015 · 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).