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$18,145
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,710
−HK$573/mo
Today · 4.125%
HK$19,283
baseline
▲ 0.50% · 4.625%
HK$20,457
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,566/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,187
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,728
−HK$549/mo
Today · 4.125%
HK$21,277
baseline
▲ 0.50% · 4.625%
HK$22,399
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,554/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,774
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,452
−HK$688/mo
Today · 4.125%
HK$23,140
baseline
▲ 0.50% · 4.625%
HK$24,548
+HK$1,408/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,280/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,224
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,873
−HK$660/mo
Today · 4.125%
HK$25,533
baseline
▲ 0.50% · 4.625%
HK$26,878
+HK$1,345/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,066/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,403
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,194
−HK$803/mo
Today · 4.125%
HK$26,997
baseline
▲ 0.50% · 4.625%
HK$28,639
+HK$1,642/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,994/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,261
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,019
−HK$769/mo
Today · 4.125%
HK$29,788
baseline
▲ 0.50% · 4.625%
HK$31,358
+HK$1,570/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,576/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,662
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,678
−HK$1,032/mo
Today · 4.125%
HK$34,710
baseline
▲ 0.50% · 4.625%
HK$36,822
+HK$2,112/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,420/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,336
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,310
−HK$989/mo
Today · 4.125%
HK$38,299
baseline
▲ 0.50% · 4.625%
HK$40,318
+HK$2,019/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,598/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,728 · 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).