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$18,071
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,633
−HK$572/mo
Today · 4.125%
HK$19,205
baseline
▲ 0.50% · 4.625%
HK$20,373
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,410/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,104
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,643
−HK$547/mo
Today · 4.125%
HK$21,190
baseline
▲ 0.50% · 4.625%
HK$22,307
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,380/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,686
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,360
−HK$685/mo
Today · 4.125%
HK$23,045
baseline
▲ 0.50% · 4.625%
HK$24,448
+HK$1,403/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,090/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,125
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,772
−HK$656/mo
Today · 4.125%
HK$25,428
baseline
▲ 0.50% · 4.625%
HK$26,769
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,856/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,300
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,087
−HK$799/mo
Today · 4.125%
HK$26,886
baseline
▲ 0.50% · 4.625%
HK$28,522
+HK$1,636/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,772/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,146
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,901
−HK$765/mo
Today · 4.125%
HK$29,666
baseline
▲ 0.50% · 4.625%
HK$31,230
+HK$1,564/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,332/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,528
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,540
−HK$1,028/mo
Today · 4.125%
HK$34,568
baseline
▲ 0.50% · 4.625%
HK$36,672
+HK$2,104/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$69,136/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,187
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,158
−HK$985/mo
Today · 4.125%
HK$38,143
baseline
▲ 0.50% · 4.625%
HK$40,153
+HK$2,010/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$76,286/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,754 · 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).