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$18,068
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,630
−HK$571/mo
Today · 4.125%
HK$19,201
baseline
▲ 0.50% · 4.625%
HK$20,369
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,402/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,100
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,639
−HK$547/mo
Today · 4.125%
HK$21,186
baseline
▲ 0.50% · 4.625%
HK$22,303
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,372/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,681
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,355
−HK$686/mo
Today · 4.125%
HK$23,041
baseline
▲ 0.50% · 4.625%
HK$24,443
+HK$1,402/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,082/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,120
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,767
−HK$656/mo
Today · 4.125%
HK$25,423
baseline
▲ 0.50% · 4.625%
HK$26,763
+HK$1,340/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,846/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,295
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,081
−HK$800/mo
Today · 4.125%
HK$26,881
baseline
▲ 0.50% · 4.625%
HK$28,516
+HK$1,635/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,762/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,140
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,895
−HK$765/mo
Today · 4.125%
HK$29,660
baseline
▲ 0.50% · 4.625%
HK$31,224
+HK$1,564/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,320/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,522
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,533
−HK$1,028/mo
Today · 4.125%
HK$34,561
baseline
▲ 0.50% · 4.625%
HK$36,664
+HK$2,103/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,122/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,180
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,150
−HK$985/mo
Today · 4.125%
HK$38,135
baseline
▲ 0.50% · 4.625%
HK$40,145
+HK$2,010/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,270/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,704 · 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).