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$18,214
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,780
−HK$576/mo
Today · 4.125%
HK$19,356
baseline
▲ 0.50% · 4.625%
HK$20,534
+HK$1,178/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,712/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,263
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,806
−HK$552/mo
Today · 4.125%
HK$21,358
baseline
▲ 0.50% · 4.625%
HK$22,483
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,716/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,857
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,537
−HK$690/mo
Today · 4.125%
HK$23,227
baseline
▲ 0.50% · 4.625%
HK$24,641
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$46,454/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,315
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,967
−HK$662/mo
Today · 4.125%
HK$25,629
baseline
▲ 0.50% · 4.625%
HK$26,980
+HK$1,351/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$51,258/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,499
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,293
−HK$806/mo
Today · 4.125%
HK$27,099
baseline
▲ 0.50% · 4.625%
HK$28,747
+HK$1,648/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,198/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,368
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,129
−HK$772/mo
Today · 4.125%
HK$29,901
baseline
▲ 0.50% · 4.625%
HK$31,477
+HK$1,576/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,802/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,785
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,805
−HK$1,036/mo
Today · 4.125%
HK$34,841
baseline
▲ 0.50% · 4.625%
HK$36,961
+HK$2,120/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,682/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,473
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,451
−HK$993/mo
Today · 4.125%
HK$38,444
baseline
▲ 0.50% · 4.625%
HK$40,470
+HK$2,026/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,888/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,630 · 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).