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$18,165
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,730
−HK$575/mo
Today · 4.125%
HK$19,305
baseline
▲ 0.50% · 4.625%
HK$20,479
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,610/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,209
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,751
−HK$550/mo
Today · 4.125%
HK$21,301
baseline
▲ 0.50% · 4.625%
HK$22,423
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,602/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,799
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,477
−HK$688/mo
Today · 4.125%
HK$23,165
baseline
▲ 0.50% · 4.625%
HK$24,575
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,330/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$238,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,251
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,901
−HK$660/mo
Today · 4.125%
HK$25,561
baseline
▲ 0.50% · 4.625%
HK$26,908
+HK$1,347/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,122/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$238,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,432
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,223
−HK$803/mo
Today · 4.125%
HK$27,026
baseline
▲ 0.50% · 4.625%
HK$28,671
+HK$1,645/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,052/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,292
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,051
−HK$770/mo
Today · 4.125%
HK$29,821
baseline
▲ 0.50% · 4.625%
HK$31,393
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,642/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,698
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,715
−HK$1,033/mo
Today · 4.125%
HK$34,748
baseline
▲ 0.50% · 4.625%
HK$36,863
+HK$2,115/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,496/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,376
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,352
−HK$989/mo
Today · 4.125%
HK$38,341
baseline
▲ 0.50% · 4.625%
HK$40,362
+HK$2,021/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,682/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,992 · 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).