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$18,181
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,747
−HK$574/mo
Today · 4.125%
HK$19,321
baseline
▲ 0.50% · 4.625%
HK$20,497
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,642/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,226
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,769
−HK$550/mo
Today · 4.125%
HK$21,319
baseline
▲ 0.50% · 4.625%
HK$22,443
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,638/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,817
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,496
−HK$689/mo
Today · 4.125%
HK$23,185
baseline
▲ 0.50% · 4.625%
HK$24,596
+HK$1,411/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,370/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,271
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,922
−HK$661/mo
Today · 4.125%
HK$25,583
baseline
▲ 0.50% · 4.625%
HK$26,931
+HK$1,348/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,166/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,453
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,245
−HK$805/mo
Today · 4.125%
HK$27,050
baseline
▲ 0.50% · 4.625%
HK$28,696
+HK$1,646/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,100/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,317
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,076
−HK$771/mo
Today · 4.125%
HK$29,847
baseline
▲ 0.50% · 4.625%
HK$31,420
+HK$1,573/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,694/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,726
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,744
−HK$1,034/mo
Today · 4.125%
HK$34,778
baseline
▲ 0.50% · 4.625%
HK$36,894
+HK$2,116/mo
Deposit HK$797K · loan HK$7.18M · min. income ≈ HK$69,556/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,407
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,384
−HK$990/mo
Today · 4.125%
HK$38,374
baseline
▲ 0.50% · 4.625%
HK$40,397
+HK$2,023/mo
Deposit HK$797K · loan HK$7.18M · min. income ≈ HK$76,748/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,198 · 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).