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$18,114
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,677
−HK$573/mo
Today · 4.125%
HK$19,250
baseline
▲ 0.50% · 4.625%
HK$20,421
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,500/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,151
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,692
−HK$548/mo
Today · 4.125%
HK$21,240
baseline
▲ 0.50% · 4.625%
HK$22,360
+HK$1,120/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,480/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,737
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,413
−HK$687/mo
Today · 4.125%
HK$23,100
baseline
▲ 0.50% · 4.625%
HK$24,505
+HK$1,405/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,200/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,182
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,830
−HK$658/mo
Today · 4.125%
HK$25,488
baseline
▲ 0.50% · 4.625%
HK$26,832
+HK$1,344/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,976/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,359
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,148
−HK$802/mo
Today · 4.125%
HK$26,950
baseline
▲ 0.50% · 4.625%
HK$28,589
+HK$1,639/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,900/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,212
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,969
−HK$767/mo
Today · 4.125%
HK$29,736
baseline
▲ 0.50% · 4.625%
HK$31,304
+HK$1,568/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,472/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,605
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,619
−HK$1,030/mo
Today · 4.125%
HK$34,649
baseline
▲ 0.50% · 4.625%
HK$36,758
+HK$2,109/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,298/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,273
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,245
−HK$987/mo
Today · 4.125%
HK$38,232
baseline
▲ 0.50% · 4.625%
HK$40,248
+HK$2,016/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,464/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,313 · 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).