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$18,096
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,659
−HK$572/mo
Today · 4.125%
HK$19,231
baseline
▲ 0.50% · 4.625%
HK$20,401
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,462/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,131
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,671
−HK$548/mo
Today · 4.125%
HK$21,219
baseline
▲ 0.50% · 4.625%
HK$22,338
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,438/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,715
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,390
−HK$687/mo
Today · 4.125%
HK$23,077
baseline
▲ 0.50% · 4.625%
HK$24,481
+HK$1,404/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,154/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,158
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,806
−HK$657/mo
Today · 4.125%
HK$25,463
baseline
▲ 0.50% · 4.625%
HK$26,805
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,926/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,334
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,122
−HK$801/mo
Today · 4.125%
HK$26,923
baseline
▲ 0.50% · 4.625%
HK$28,561
+HK$1,638/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,846/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,184
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,940
−HK$767/mo
Today · 4.125%
HK$29,707
baseline
▲ 0.50% · 4.625%
HK$31,273
+HK$1,566/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,414/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,573
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,586
−HK$1,029/mo
Today · 4.125%
HK$34,615
baseline
▲ 0.50% · 4.625%
HK$36,721
+HK$2,106/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$69,230/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,237
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,208
−HK$986/mo
Today · 4.125%
HK$38,194
baseline
▲ 0.50% · 4.625%
HK$40,208
+HK$2,014/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$76,388/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,077 · 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).