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$18,127
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,690
−HK$573/mo
Today · 4.125%
HK$19,263
baseline
▲ 0.50% · 4.625%
HK$20,435
+HK$1,172/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,526/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,166
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,706
−HK$549/mo
Today · 4.125%
HK$21,255
baseline
▲ 0.50% · 4.625%
HK$22,376
+HK$1,121/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,510/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,752
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,429
−HK$687/mo
Today · 4.125%
HK$23,116
baseline
▲ 0.50% · 4.625%
HK$24,523
+HK$1,407/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,232/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,199
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,848
−HK$658/mo
Today · 4.125%
HK$25,506
baseline
▲ 0.50% · 4.625%
HK$26,851
+HK$1,345/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,012/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,377
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,167
−HK$802/mo
Today · 4.125%
HK$26,969
baseline
▲ 0.50% · 4.625%
HK$28,610
+HK$1,641/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,938/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,232
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,989
−HK$768/mo
Today · 4.125%
HK$29,757
baseline
▲ 0.50% · 4.625%
HK$31,326
+HK$1,569/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,514/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,628
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,643
−HK$1,031/mo
Today · 4.125%
HK$34,674
baseline
▲ 0.50% · 4.625%
HK$36,784
+HK$2,110/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$69,348/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,298
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,272
−HK$987/mo
Today · 4.125%
HK$38,259
baseline
▲ 0.50% · 4.625%
HK$40,276
+HK$2,017/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$76,518/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,482 · 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).