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$18,089
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,652
−HK$572/mo
Today · 4.125%
HK$19,224
baseline
▲ 0.50% · 4.625%
HK$20,393
+HK$1,169/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,448/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,124
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,664
−HK$547/mo
Today · 4.125%
HK$21,211
baseline
▲ 0.50% · 4.625%
HK$22,329
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,422/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,707
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,382
−HK$686/mo
Today · 4.125%
HK$23,068
baseline
▲ 0.50% · 4.625%
HK$24,472
+HK$1,404/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,136/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,149
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,797
−HK$657/mo
Today · 4.125%
HK$25,454
baseline
▲ 0.50% · 4.625%
HK$26,795
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,908/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,325
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,113
−HK$800/mo
Today · 4.125%
HK$26,913
baseline
▲ 0.50% · 4.625%
HK$28,551
+HK$1,638/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,826/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,174
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,929
−HK$767/mo
Today · 4.125%
HK$29,696
baseline
▲ 0.50% · 4.625%
HK$31,261
+HK$1,565/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,392/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,561
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,573
−HK$1,029/mo
Today · 4.125%
HK$34,602
baseline
▲ 0.50% · 4.625%
HK$36,708
+HK$2,106/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,204/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,223
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,195
−HK$985/mo
Today · 4.125%
HK$38,180
baseline
▲ 0.50% · 4.625%
HK$40,193
+HK$2,013/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,360/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,990 · 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).