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$18,066
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,628
−HK$571/mo
Today · 4.125%
HK$19,199
baseline
▲ 0.50% · 4.625%
HK$20,367
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,398/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,098
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,637
−HK$547/mo
Today · 4.125%
HK$21,184
baseline
▲ 0.50% · 4.625%
HK$22,301
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,368/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,679
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,353
−HK$686/mo
Today · 4.125%
HK$23,039
baseline
▲ 0.50% · 4.625%
HK$24,440
+HK$1,401/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,078/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,118
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,765
−HK$656/mo
Today · 4.125%
HK$25,421
baseline
▲ 0.50% · 4.625%
HK$26,761
+HK$1,340/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,842/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,292
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,079
−HK$799/mo
Today · 4.125%
HK$26,878
baseline
▲ 0.50% · 4.625%
HK$28,514
+HK$1,636/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,756/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,137
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,892
−HK$766/mo
Today · 4.125%
HK$29,658
baseline
▲ 0.50% · 4.625%
HK$31,221
+HK$1,563/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,316/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,519
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,530
−HK$1,028/mo
Today · 4.125%
HK$34,558
baseline
▲ 0.50% · 4.625%
HK$36,661
+HK$2,103/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,116/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,177
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,147
−HK$984/mo
Today · 4.125%
HK$38,131
baseline
▲ 0.50% · 4.625%
HK$40,141
+HK$2,010/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,262/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,683 · 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).