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$18,208
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,774
−HK$576/mo
Today · 4.125%
HK$19,350
baseline
▲ 0.50% · 4.625%
HK$20,527
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,700/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,256
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,799
−HK$551/mo
Today · 4.125%
HK$21,350
baseline
▲ 0.50% · 4.625%
HK$22,476
+HK$1,126/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,700/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,849
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,529
−HK$690/mo
Today · 4.125%
HK$23,219
baseline
▲ 0.50% · 4.625%
HK$24,632
+HK$1,413/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,438/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,307
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,959
−HK$661/mo
Today · 4.125%
HK$25,620
baseline
▲ 0.50% · 4.625%
HK$26,971
+HK$1,351/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,240/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,491
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,284
−HK$805/mo
Today · 4.125%
HK$27,089
baseline
▲ 0.50% · 4.625%
HK$28,738
+HK$1,649/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,178/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,358
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,119
−HK$771/mo
Today · 4.125%
HK$29,890
baseline
▲ 0.50% · 4.625%
HK$31,466
+HK$1,576/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,780/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,774
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,793
−HK$1,036/mo
Today · 4.125%
HK$34,829
baseline
▲ 0.50% · 4.625%
HK$36,948
+HK$2,119/mo
Deposit HK$798K · loan HK$7.19M · min. income ≈ HK$69,658/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,461
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,439
−HK$992/mo
Today · 4.125%
HK$38,431
baseline
▲ 0.50% · 4.625%
HK$40,456
+HK$2,025/mo
Deposit HK$798K · loan HK$7.19M · min. income ≈ HK$76,862/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,549 · 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).