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$18,216
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,782
−HK$576/mo
Today · 4.125%
HK$19,358
baseline
▲ 0.50% · 4.625%
HK$20,536
+HK$1,178/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,716/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,265
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,808
−HK$551/mo
Today · 4.125%
HK$21,359
baseline
▲ 0.50% · 4.625%
HK$22,485
+HK$1,126/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,718/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,859
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,539
−HK$690/mo
Today · 4.125%
HK$23,229
baseline
▲ 0.50% · 4.625%
HK$24,643
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$46,458/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,318
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,970
−HK$661/mo
Today · 4.125%
HK$25,631
baseline
▲ 0.50% · 4.625%
HK$26,982
+HK$1,351/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$51,262/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,502
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,295
−HK$806/mo
Today · 4.125%
HK$27,101
baseline
▲ 0.50% · 4.625%
HK$28,750
+HK$1,649/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,202/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,370
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,131
−HK$772/mo
Today · 4.125%
HK$29,903
baseline
▲ 0.50% · 4.625%
HK$31,480
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,806/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,788
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,808
−HK$1,036/mo
Today · 4.125%
HK$34,844
baseline
▲ 0.50% · 4.625%
HK$36,964
+HK$2,120/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,688/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,476
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,455
−HK$992/mo
Today · 4.125%
HK$38,447
baseline
▲ 0.50% · 4.625%
HK$40,474
+HK$2,027/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,894/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,652 · 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).