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$18,099
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,662
−HK$572/mo
Today · 4.125%
HK$19,234
baseline
▲ 0.50% · 4.625%
HK$20,404
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,468/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,135
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,675
−HK$547/mo
Today · 4.125%
HK$21,222
baseline
▲ 0.50% · 4.625%
HK$22,341
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,444/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,718
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,394
−HK$686/mo
Today · 4.125%
HK$23,080
baseline
▲ 0.50% · 4.625%
HK$24,485
+HK$1,405/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,160/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,162
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,810
−HK$657/mo
Today · 4.125%
HK$25,467
baseline
▲ 0.50% · 4.625%
HK$26,809
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,934/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,338
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,126
−HK$801/mo
Today · 4.125%
HK$26,927
baseline
▲ 0.50% · 4.625%
HK$28,566
+HK$1,639/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,854/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,189
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,945
−HK$766/mo
Today · 4.125%
HK$29,711
baseline
▲ 0.50% · 4.625%
HK$31,278
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,422/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,578
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,591
−HK$1,030/mo
Today · 4.125%
HK$34,621
baseline
▲ 0.50% · 4.625%
HK$36,727
+HK$2,106/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$69,242/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,242
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,214
−HK$986/mo
Today · 4.125%
HK$38,200
baseline
▲ 0.50% · 4.625%
HK$40,214
+HK$2,014/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$76,400/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,115 · 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).