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$18,065
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,627
−HK$571/mo
Today · 4.125%
HK$19,198
baseline
▲ 0.50% · 4.625%
HK$20,366
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,396/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,097
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,636
−HK$547/mo
Today · 4.125%
HK$21,183
baseline
▲ 0.50% · 4.625%
HK$22,300
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,366/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,678
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,353
−HK$685/mo
Today · 4.125%
HK$23,038
baseline
▲ 0.50% · 4.625%
HK$24,439
+HK$1,401/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,076/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,117
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,764
−HK$656/mo
Today · 4.125%
HK$25,420
baseline
▲ 0.50% · 4.625%
HK$26,760
+HK$1,340/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,840/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,291
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,078
−HK$799/mo
Today · 4.125%
HK$26,877
baseline
▲ 0.50% · 4.625%
HK$28,513
+HK$1,636/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,754/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,136
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,891
−HK$765/mo
Today · 4.125%
HK$29,656
baseline
▲ 0.50% · 4.625%
HK$31,220
+HK$1,564/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,312/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,517
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,529
−HK$1,028/mo
Today · 4.125%
HK$34,557
baseline
▲ 0.50% · 4.625%
HK$36,659
+HK$2,102/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,114/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,175
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,145
−HK$985/mo
Today · 4.125%
HK$38,130
baseline
▲ 0.50% · 4.625%
HK$40,140
+HK$2,010/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,260/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,674 · 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).