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$18,055
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,617
−HK$571/mo
Today · 4.125%
HK$19,188
baseline
▲ 0.50% · 4.625%
HK$20,355
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,376/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,087
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,625
−HK$547/mo
Today · 4.125%
HK$21,172
baseline
▲ 0.50% · 4.625%
HK$22,288
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,344/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,667
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,341
−HK$684/mo
Today · 4.125%
HK$23,025
baseline
▲ 0.50% · 4.625%
HK$24,426
+HK$1,401/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,050/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,104
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,750
−HK$656/mo
Today · 4.125%
HK$25,406
baseline
▲ 0.50% · 4.625%
HK$26,745
+HK$1,339/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,812/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,278
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,064
−HK$799/mo
Today · 4.125%
HK$26,863
baseline
▲ 0.50% · 4.625%
HK$28,497
+HK$1,634/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$53,726/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,121
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,875
−HK$765/mo
Today · 4.125%
HK$29,640
baseline
▲ 0.50% · 4.625%
HK$31,203
+HK$1,563/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$59,280/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,500
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,511
−HK$1,027/mo
Today · 4.125%
HK$34,538
baseline
▲ 0.50% · 4.625%
HK$36,639
+HK$2,101/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,076/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,156
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,125
−HK$984/mo
Today · 4.125%
HK$38,109
baseline
▲ 0.50% · 4.625%
HK$40,118
+HK$2,009/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,218/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,546 · 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).