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$18,094
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,657
−HK$572/mo
Today · 4.125%
HK$19,229
baseline
▲ 0.50% · 4.625%
HK$20,399
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,458/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,130
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,670
−HK$547/mo
Today · 4.125%
HK$21,217
baseline
▲ 0.50% · 4.625%
HK$22,336
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,434/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,713
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,389
−HK$686/mo
Today · 4.125%
HK$23,075
baseline
▲ 0.50% · 4.625%
HK$24,479
+HK$1,404/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,150/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,156
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,804
−HK$657/mo
Today · 4.125%
HK$25,461
baseline
▲ 0.50% · 4.625%
HK$26,803
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,922/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,332
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,120
−HK$801/mo
Today · 4.125%
HK$26,921
baseline
▲ 0.50% · 4.625%
HK$28,559
+HK$1,638/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,842/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,182
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,938
−HK$766/mo
Today · 4.125%
HK$29,704
baseline
▲ 0.50% · 4.625%
HK$31,270
+HK$1,566/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,408/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,570
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,583
−HK$1,029/mo
Today · 4.125%
HK$34,612
baseline
▲ 0.50% · 4.625%
HK$36,718
+HK$2,106/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$69,224/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,234
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,205
−HK$986/mo
Today · 4.125%
HK$38,191
baseline
▲ 0.50% · 4.625%
HK$40,204
+HK$2,013/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$76,382/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,057 · 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).