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$18,032
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,593
−HK$570/mo
Today · 4.125%
HK$19,163
baseline
▲ 0.50% · 4.625%
HK$20,329
+HK$1,166/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,326/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,060
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,598
−HK$546/mo
Today · 4.125%
HK$21,144
baseline
▲ 0.50% · 4.625%
HK$22,259
+HK$1,115/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,288/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,638
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,311
−HK$684/mo
Today · 4.125%
HK$22,995
baseline
▲ 0.50% · 4.625%
HK$24,394
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,990/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,072
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,718
−HK$655/mo
Today · 4.125%
HK$25,373
baseline
▲ 0.50% · 4.625%
HK$26,710
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,746/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,245
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,030
−HK$798/mo
Today · 4.125%
HK$26,828
baseline
▲ 0.50% · 4.625%
HK$28,460
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,656/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,084
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,838
−HK$764/mo
Today · 4.125%
HK$29,602
baseline
▲ 0.50% · 4.625%
HK$31,162
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,204/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,457
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,467
−HK$1,026/mo
Today · 4.125%
HK$34,493
baseline
▲ 0.50% · 4.625%
HK$36,592
+HK$2,099/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$68,986/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,109
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,077
−HK$982/mo
Today · 4.125%
HK$38,059
baseline
▲ 0.50% · 4.625%
HK$40,065
+HK$2,006/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,118/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,235 · 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).