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$18,072
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,634
−HK$572/mo
Today · 4.125%
HK$19,206
baseline
▲ 0.50% · 4.625%
HK$20,374
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,412/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,105
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,644
−HK$547/mo
Today · 4.125%
HK$21,191
baseline
▲ 0.50% · 4.625%
HK$22,308
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,382/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,687
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,361
−HK$686/mo
Today · 4.125%
HK$23,047
baseline
▲ 0.50% · 4.625%
HK$24,449
+HK$1,402/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,094/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,126
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,773
−HK$657/mo
Today · 4.125%
HK$25,430
baseline
▲ 0.50% · 4.625%
HK$26,770
+HK$1,340/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,860/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,301
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,088
−HK$800/mo
Today · 4.125%
HK$26,888
baseline
▲ 0.50% · 4.625%
HK$28,524
+HK$1,636/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,776/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,147
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,902
−HK$766/mo
Today · 4.125%
HK$29,668
baseline
▲ 0.50% · 4.625%
HK$31,232
+HK$1,564/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,336/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,530
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,542
−HK$1,028/mo
Today · 4.125%
HK$34,570
baseline
▲ 0.50% · 4.625%
HK$36,673
+HK$2,103/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$69,140/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,189
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,160
−HK$985/mo
Today · 4.125%
HK$38,145
baseline
▲ 0.50% · 4.625%
HK$40,155
+HK$2,010/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$76,290/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,766 · 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).