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$18,189
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,755
−HK$575/mo
Today · 4.125%
HK$19,330
baseline
▲ 0.50% · 4.625%
HK$20,506
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,660/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,235
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,778
−HK$550/mo
Today · 4.125%
HK$21,328
baseline
▲ 0.50% · 4.625%
HK$22,453
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,656/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,827
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,506
−HK$690/mo
Today · 4.125%
HK$23,196
baseline
▲ 0.50% · 4.625%
HK$24,607
+HK$1,411/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,392/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,282
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,933
−HK$661/mo
Today · 4.125%
HK$25,594
baseline
▲ 0.50% · 4.625%
HK$26,943
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,188/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,465
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,257
−HK$805/mo
Today · 4.125%
HK$27,062
baseline
▲ 0.50% · 4.625%
HK$28,708
+HK$1,646/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,124/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,329
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,089
−HK$771/mo
Today · 4.125%
HK$29,860
baseline
▲ 0.50% · 4.625%
HK$31,434
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,720/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,740
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,759
−HK$1,034/mo
Today · 4.125%
HK$34,793
baseline
▲ 0.50% · 4.625%
HK$36,910
+HK$2,117/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,586/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,423
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,400
−HK$991/mo
Today · 4.125%
HK$38,391
baseline
▲ 0.50% · 4.625%
HK$40,415
+HK$2,024/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,782/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,303 · 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).