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$18,116
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,680
−HK$572/mo
Today · 4.125%
HK$19,252
baseline
▲ 0.50% · 4.625%
HK$20,424
+HK$1,172/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,504/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,154
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,695
−HK$548/mo
Today · 4.125%
HK$21,243
baseline
▲ 0.50% · 4.625%
HK$22,363
+HK$1,120/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,486/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,739
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,416
−HK$687/mo
Today · 4.125%
HK$23,103
baseline
▲ 0.50% · 4.625%
HK$24,508
+HK$1,405/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,206/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,185
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,833
−HK$658/mo
Today · 4.125%
HK$25,491
baseline
▲ 0.50% · 4.625%
HK$26,835
+HK$1,344/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,982/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,363
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,152
−HK$801/mo
Today · 4.125%
HK$26,953
baseline
▲ 0.50% · 4.625%
HK$28,593
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,906/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,216
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,972
−HK$768/mo
Today · 4.125%
HK$29,740
baseline
▲ 0.50% · 4.625%
HK$31,308
+HK$1,568/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,480/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,609
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,623
−HK$1,031/mo
Today · 4.125%
HK$34,654
baseline
▲ 0.50% · 4.625%
HK$36,763
+HK$2,109/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,308/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,277
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,250
−HK$987/mo
Today · 4.125%
HK$38,237
baseline
▲ 0.50% · 4.625%
HK$40,253
+HK$2,016/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,474/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,344 · 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).