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$18,138
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,702
−HK$573/mo
Today · 4.125%
HK$19,275
baseline
▲ 0.50% · 4.625%
HK$20,448
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,550/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,178
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,719
−HK$549/mo
Today · 4.125%
HK$21,268
baseline
▲ 0.50% · 4.625%
HK$22,389
+HK$1,121/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,536/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,765
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,442
−HK$688/mo
Today · 4.125%
HK$23,130
baseline
▲ 0.50% · 4.625%
HK$24,538
+HK$1,408/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,260/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,214
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,863
−HK$659/mo
Today · 4.125%
HK$25,522
baseline
▲ 0.50% · 4.625%
HK$26,867
+HK$1,345/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,044/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,393
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,183
−HK$802/mo
Today · 4.125%
HK$26,985
baseline
▲ 0.50% · 4.625%
HK$28,627
+HK$1,642/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,970/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,249
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,007
−HK$769/mo
Today · 4.125%
HK$29,776
baseline
▲ 0.50% · 4.625%
HK$31,345
+HK$1,569/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,552/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,648
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,664
−HK$1,031/mo
Today · 4.125%
HK$34,695
baseline
▲ 0.50% · 4.625%
HK$36,806
+HK$2,111/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$69,390/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,321
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,295
−HK$988/mo
Today · 4.125%
HK$38,283
baseline
▲ 0.50% · 4.625%
HK$40,301
+HK$2,018/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$76,566/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,629 · 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).