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$18,161
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,726
−HK$574/mo
Today · 4.125%
HK$19,300
baseline
▲ 0.50% · 4.625%
HK$20,474
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,600/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,204
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,746
−HK$550/mo
Today · 4.125%
HK$21,296
baseline
▲ 0.50% · 4.625%
HK$22,418
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,592/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,793
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,471
−HK$689/mo
Today · 4.125%
HK$23,160
baseline
▲ 0.50% · 4.625%
HK$24,569
+HK$1,409/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,320/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,245
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,895
−HK$660/mo
Today · 4.125%
HK$25,555
baseline
▲ 0.50% · 4.625%
HK$26,902
+HK$1,347/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,110/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,425
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,216
−HK$804/mo
Today · 4.125%
HK$27,020
baseline
▲ 0.50% · 4.625%
HK$28,664
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,040/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,286
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,044
−HK$770/mo
Today · 4.125%
HK$29,814
baseline
▲ 0.50% · 4.625%
HK$31,385
+HK$1,571/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,628/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,690
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,707
−HK$1,033/mo
Today · 4.125%
HK$34,740
baseline
▲ 0.50% · 4.625%
HK$36,854
+HK$2,114/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$69,480/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,367
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,342
−HK$990/mo
Today · 4.125%
HK$38,332
baseline
▲ 0.50% · 4.625%
HK$40,352
+HK$2,020/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$76,664/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,934 · 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).