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$18,069
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,631
−HK$571/mo
Today · 4.125%
HK$19,202
baseline
▲ 0.50% · 4.625%
HK$20,371
+HK$1,169/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,404/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,102
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,641
−HK$547/mo
Today · 4.125%
HK$21,188
baseline
▲ 0.50% · 4.625%
HK$22,305
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,376/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,683
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,358
−HK$685/mo
Today · 4.125%
HK$23,043
baseline
▲ 0.50% · 4.625%
HK$24,445
+HK$1,402/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,086/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,122
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,769
−HK$656/mo
Today · 4.125%
HK$25,425
baseline
▲ 0.50% · 4.625%
HK$26,766
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,850/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,297
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,084
−HK$799/mo
Today · 4.125%
HK$26,883
baseline
▲ 0.50% · 4.625%
HK$28,519
+HK$1,636/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,766/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,143
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,897
−HK$766/mo
Today · 4.125%
HK$29,663
baseline
▲ 0.50% · 4.625%
HK$31,227
+HK$1,564/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,326/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,525
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,536
−HK$1,028/mo
Today · 4.125%
HK$34,564
baseline
▲ 0.50% · 4.625%
HK$36,667
+HK$2,103/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,128/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,183
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,154
−HK$984/mo
Today · 4.125%
HK$38,138
baseline
▲ 0.50% · 4.625%
HK$40,148
+HK$2,010/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,276/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,727 · 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).