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$18,045
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,606
−HK$570/mo
Today · 4.125%
HK$19,176
baseline
▲ 0.50% · 4.625%
HK$20,343
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,352/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,074
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,613
−HK$546/mo
Today · 4.125%
HK$21,159
baseline
▲ 0.50% · 4.625%
HK$22,274
+HK$1,115/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,318/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,654
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,327
−HK$684/mo
Today · 4.125%
HK$23,011
baseline
▲ 0.50% · 4.625%
HK$24,412
+HK$1,401/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,022/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,089
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,735
−HK$656/mo
Today · 4.125%
HK$25,391
baseline
▲ 0.50% · 4.625%
HK$26,729
+HK$1,338/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,782/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,262
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,048
−HK$799/mo
Today · 4.125%
HK$26,847
baseline
▲ 0.50% · 4.625%
HK$28,480
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,694/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,104
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,858
−HK$765/mo
Today · 4.125%
HK$29,623
baseline
▲ 0.50% · 4.625%
HK$31,184
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,246/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,480
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,491
−HK$1,026/mo
Today · 4.125%
HK$34,517
baseline
▲ 0.50% · 4.625%
HK$36,617
+HK$2,100/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,034/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,134
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,103
−HK$983/mo
Today · 4.125%
HK$38,086
baseline
▲ 0.50% · 4.625%
HK$40,094
+HK$2,008/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,172/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,403 · 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).