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$18,088
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,651
−HK$571/mo
Today · 4.125%
HK$19,222
baseline
▲ 0.50% · 4.625%
HK$20,392
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,444/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,123
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,663
−HK$547/mo
Today · 4.125%
HK$21,210
baseline
▲ 0.50% · 4.625%
HK$22,328
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,420/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,706
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,381
−HK$686/mo
Today · 4.125%
HK$23,067
baseline
▲ 0.50% · 4.625%
HK$24,470
+HK$1,403/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,134/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,147
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,795
−HK$657/mo
Today · 4.125%
HK$25,452
baseline
▲ 0.50% · 4.625%
HK$26,794
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,904/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,323
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,111
−HK$800/mo
Today · 4.125%
HK$26,911
baseline
▲ 0.50% · 4.625%
HK$28,549
+HK$1,638/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,822/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,172
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,928
−HK$766/mo
Today · 4.125%
HK$29,694
baseline
▲ 0.50% · 4.625%
HK$31,259
+HK$1,565/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,388/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,559
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,571
−HK$1,029/mo
Today · 4.125%
HK$34,600
baseline
▲ 0.50% · 4.625%
HK$36,706
+HK$2,106/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,200/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,221
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,193
−HK$985/mo
Today · 4.125%
HK$38,178
baseline
▲ 0.50% · 4.625%
HK$40,191
+HK$2,013/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,356/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,976 · 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).