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$18,057
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,619
−HK$570/mo
Today · 4.125%
HK$19,189
baseline
▲ 0.50% · 4.625%
HK$20,357
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,378/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,088
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,627
−HK$546/mo
Today · 4.125%
HK$21,173
baseline
▲ 0.50% · 4.625%
HK$22,289
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,346/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,668
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,342
−HK$685/mo
Today · 4.125%
HK$23,027
baseline
▲ 0.50% · 4.625%
HK$24,428
+HK$1,401/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,054/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,106
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,752
−HK$656/mo
Today · 4.125%
HK$25,408
baseline
▲ 0.50% · 4.625%
HK$26,747
+HK$1,339/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,816/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,280
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,066
−HK$799/mo
Today · 4.125%
HK$26,865
baseline
▲ 0.50% · 4.625%
HK$28,500
+HK$1,635/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$53,730/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,123
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,878
−HK$765/mo
Today · 4.125%
HK$29,643
baseline
▲ 0.50% · 4.625%
HK$31,205
+HK$1,562/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$59,286/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,502
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,513
−HK$1,028/mo
Today · 4.125%
HK$34,541
baseline
▲ 0.50% · 4.625%
HK$36,642
+HK$2,101/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,082/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,159
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,128
−HK$984/mo
Today · 4.125%
HK$38,112
baseline
▲ 0.50% · 4.625%
HK$40,121
+HK$2,009/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,224/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,564 · 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).