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$18,109
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,672
−HK$572/mo
Today · 4.125%
HK$19,244
baseline
▲ 0.50% · 4.625%
HK$20,415
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,488/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,146
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,686
−HK$548/mo
Today · 4.125%
HK$21,234
baseline
▲ 0.50% · 4.625%
HK$22,354
+HK$1,120/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,468/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,731
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,407
−HK$686/mo
Today · 4.125%
HK$23,093
baseline
▲ 0.50% · 4.625%
HK$24,499
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$46,186/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,175
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,824
−HK$657/mo
Today · 4.125%
HK$25,481
baseline
▲ 0.50% · 4.625%
HK$26,824
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$50,962/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,352
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,141
−HK$801/mo
Today · 4.125%
HK$26,942
baseline
▲ 0.50% · 4.625%
HK$28,582
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,884/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,204
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,961
−HK$767/mo
Today · 4.125%
HK$29,728
baseline
▲ 0.50% · 4.625%
HK$31,295
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,456/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,596
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,610
−HK$1,030/mo
Today · 4.125%
HK$34,640
baseline
▲ 0.50% · 4.625%
HK$36,748
+HK$2,108/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,280/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,263
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,235
−HK$987/mo
Today · 4.125%
HK$38,222
baseline
▲ 0.50% · 4.625%
HK$40,237
+HK$2,015/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,444/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,248 · 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).