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$18,165
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,730
−HK$574/mo
Today · 4.125%
HK$19,304
baseline
▲ 0.50% · 4.625%
HK$20,479
+HK$1,175/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,608/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,209
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,751
−HK$549/mo
Today · 4.125%
HK$21,300
baseline
▲ 0.50% · 4.625%
HK$22,423
+HK$1,123/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,600/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,798
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,476
−HK$689/mo
Today · 4.125%
HK$23,165
baseline
▲ 0.50% · 4.625%
HK$24,575
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,330/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$238,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,250
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,901
−HK$659/mo
Today · 4.125%
HK$25,560
baseline
▲ 0.50% · 4.625%
HK$26,908
+HK$1,348/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,120/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$238,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,431
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,222
−HK$804/mo
Today · 4.125%
HK$27,026
baseline
▲ 0.50% · 4.625%
HK$28,670
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,052/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,292
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,051
−HK$770/mo
Today · 4.125%
HK$29,821
baseline
▲ 0.50% · 4.625%
HK$31,392
+HK$1,571/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,642/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,697
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,714
−HK$1,034/mo
Today · 4.125%
HK$34,748
baseline
▲ 0.50% · 4.625%
HK$36,862
+HK$2,114/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,496/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,375
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,351
−HK$990/mo
Today · 4.125%
HK$38,341
baseline
▲ 0.50% · 4.625%
HK$40,362
+HK$2,021/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,682/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,989 · 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).