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$18,213
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,779
−HK$576/mo
Today · 4.125%
HK$19,355
baseline
▲ 0.50% · 4.625%
HK$20,533
+HK$1,178/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,710/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,262
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,805
−HK$551/mo
Today · 4.125%
HK$21,356
baseline
▲ 0.50% · 4.625%
HK$22,482
+HK$1,126/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,712/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,855
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,535
−HK$691/mo
Today · 4.125%
HK$23,226
baseline
▲ 0.50% · 4.625%
HK$24,639
+HK$1,413/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,452/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,314
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,966
−HK$661/mo
Today · 4.125%
HK$25,627
baseline
▲ 0.50% · 4.625%
HK$26,978
+HK$1,351/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,254/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,498
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,291
−HK$806/mo
Today · 4.125%
HK$27,097
baseline
▲ 0.50% · 4.625%
HK$28,746
+HK$1,649/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,194/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,366
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,127
−HK$772/mo
Today · 4.125%
HK$29,899
baseline
▲ 0.50% · 4.625%
HK$31,475
+HK$1,576/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,798/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,783
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,803
−HK$1,036/mo
Today · 4.125%
HK$34,839
baseline
▲ 0.50% · 4.625%
HK$36,959
+HK$2,120/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,678/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,471
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,449
−HK$992/mo
Today · 4.125%
HK$38,441
baseline
▲ 0.50% · 4.625%
HK$40,468
+HK$2,027/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,882/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,616 · 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).