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$18,111
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,674
−HK$573/mo
Today · 4.125%
HK$19,247
baseline
▲ 0.50% · 4.625%
HK$20,418
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,494/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,148
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,688
−HK$549/mo
Today · 4.125%
HK$21,237
baseline
▲ 0.50% · 4.625%
HK$22,356
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,474/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,733
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,409
−HK$687/mo
Today · 4.125%
HK$23,096
baseline
▲ 0.50% · 4.625%
HK$24,501
+HK$1,405/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,192/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,178
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,826
−HK$658/mo
Today · 4.125%
HK$25,484
baseline
▲ 0.50% · 4.625%
HK$26,827
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,968/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,355
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,144
−HK$801/mo
Today · 4.125%
HK$26,945
baseline
▲ 0.50% · 4.625%
HK$28,585
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,890/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,207
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,964
−HK$767/mo
Today · 4.125%
HK$29,731
baseline
▲ 0.50% · 4.625%
HK$31,299
+HK$1,568/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,462/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,600
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,614
−HK$1,030/mo
Today · 4.125%
HK$34,644
baseline
▲ 0.50% · 4.625%
HK$36,752
+HK$2,108/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,288/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,267
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,239
−HK$987/mo
Today · 4.125%
HK$38,226
baseline
▲ 0.50% · 4.625%
HK$40,241
+HK$2,015/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,452/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,274 · 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).