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$18,177
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,742
−HK$575/mo
Today · 4.125%
HK$19,317
baseline
▲ 0.50% · 4.625%
HK$20,492
+HK$1,175/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,634/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,221
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,764
−HK$550/mo
Today · 4.125%
HK$21,314
baseline
▲ 0.50% · 4.625%
HK$22,437
+HK$1,123/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,628/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,812
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,491
−HK$689/mo
Today · 4.125%
HK$23,180
baseline
▲ 0.50% · 4.625%
HK$24,590
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,360/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,266
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,917
−HK$660/mo
Today · 4.125%
HK$25,577
baseline
▲ 0.50% · 4.625%
HK$26,925
+HK$1,348/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,154/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,447
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,239
−HK$804/mo
Today · 4.125%
HK$27,043
baseline
▲ 0.50% · 4.625%
HK$28,689
+HK$1,646/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,086/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,310
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,069
−HK$771/mo
Today · 4.125%
HK$29,840
baseline
▲ 0.50% · 4.625%
HK$31,412
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,680/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,718
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,736
−HK$1,034/mo
Today · 4.125%
HK$34,770
baseline
▲ 0.50% · 4.625%
HK$36,886
+HK$2,116/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,540/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,399
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,375
−HK$990/mo
Today · 4.125%
HK$38,365
baseline
▲ 0.50% · 4.625%
HK$40,387
+HK$2,022/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,730/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,141 · 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).