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$18,197
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,764
−HK$575/mo
Today · 4.125%
HK$19,339
baseline
▲ 0.50% · 4.625%
HK$20,515
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,678/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,245
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,787
−HK$551/mo
Today · 4.125%
HK$21,338
baseline
▲ 0.50% · 4.625%
HK$22,463
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,676/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,837
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,516
−HK$690/mo
Today · 4.125%
HK$23,206
baseline
▲ 0.50% · 4.625%
HK$24,618
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,412/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,293
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,945
−HK$661/mo
Today · 4.125%
HK$25,606
baseline
▲ 0.50% · 4.625%
HK$26,956
+HK$1,350/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,212/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,476
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,269
−HK$805/mo
Today · 4.125%
HK$27,074
baseline
▲ 0.50% · 4.625%
HK$28,721
+HK$1,647/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$54,148/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,342
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,102
−HK$772/mo
Today · 4.125%
HK$29,874
baseline
▲ 0.50% · 4.625%
HK$31,448
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$59,748/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,755
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,774
−HK$1,035/mo
Today · 4.125%
HK$34,809
baseline
▲ 0.50% · 4.625%
HK$36,928
+HK$2,119/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,618/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,440
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,417
−HK$992/mo
Today · 4.125%
HK$38,409
baseline
▲ 0.50% · 4.625%
HK$40,433
+HK$2,024/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,818/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,414 · 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).