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$18,039
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,600
−HK$571/mo
Today · 4.125%
HK$19,171
baseline
▲ 0.50% · 4.625%
HK$20,337
+HK$1,166/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,342/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,069
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,607
−HK$546/mo
Today · 4.125%
HK$21,153
baseline
▲ 0.50% · 4.625%
HK$22,268
+HK$1,115/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,306/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,647
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,321
−HK$684/mo
Today · 4.125%
HK$23,005
baseline
▲ 0.50% · 4.625%
HK$24,404
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$46,010/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,082
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,728
−HK$655/mo
Today · 4.125%
HK$25,383
baseline
▲ 0.50% · 4.625%
HK$26,721
+HK$1,338/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$50,766/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,255
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,041
−HK$798/mo
Today · 4.125%
HK$26,839
baseline
▲ 0.50% · 4.625%
HK$28,472
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,678/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,096
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,850
−HK$764/mo
Today · 4.125%
HK$29,614
baseline
▲ 0.50% · 4.625%
HK$31,175
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,228/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,471
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,481
−HK$1,026/mo
Today · 4.125%
HK$34,507
baseline
▲ 0.50% · 4.625%
HK$36,607
+HK$2,100/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,014/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,123
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,092
−HK$983/mo
Today · 4.125%
HK$38,075
baseline
▲ 0.50% · 4.625%
HK$40,082
+HK$2,007/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,150/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,334 · 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).