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$18,074
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,636
−HK$572/mo
Today · 4.125%
HK$19,208
baseline
▲ 0.50% · 4.625%
HK$20,376
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,416/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,107
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,647
−HK$547/mo
Today · 4.125%
HK$21,194
baseline
▲ 0.50% · 4.625%
HK$22,311
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,388/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,689
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,364
−HK$685/mo
Today · 4.125%
HK$23,049
baseline
▲ 0.50% · 4.625%
HK$24,452
+HK$1,403/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,098/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,129
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,776
−HK$656/mo
Today · 4.125%
HK$25,432
baseline
▲ 0.50% · 4.625%
HK$26,773
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,864/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,304
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,091
−HK$800/mo
Today · 4.125%
HK$26,891
baseline
▲ 0.50% · 4.625%
HK$28,527
+HK$1,636/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,782/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,150
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,905
−HK$766/mo
Today · 4.125%
HK$29,671
baseline
▲ 0.50% · 4.625%
HK$31,235
+HK$1,564/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,342/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,534
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,546
−HK$1,028/mo
Today · 4.125%
HK$34,574
baseline
▲ 0.50% · 4.625%
HK$36,677
+HK$2,103/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$69,148/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,193
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,164
−HK$985/mo
Today · 4.125%
HK$38,149
baseline
▲ 0.50% · 4.625%
HK$40,160
+HK$2,011/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$76,298/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,792 · 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).