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$18,178
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,744
−HK$574/mo
Today · 4.125%
HK$19,318
baseline
▲ 0.50% · 4.625%
HK$20,494
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,636/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,223
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,766
−HK$550/mo
Today · 4.125%
HK$21,316
baseline
▲ 0.50% · 4.625%
HK$22,439
+HK$1,123/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,632/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,814
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,493
−HK$689/mo
Today · 4.125%
HK$23,182
baseline
▲ 0.50% · 4.625%
HK$24,592
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,364/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,268
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,919
−HK$660/mo
Today · 4.125%
HK$25,579
baseline
▲ 0.50% · 4.625%
HK$26,927
+HK$1,348/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,158/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,450
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,241
−HK$805/mo
Today · 4.125%
HK$27,046
baseline
▲ 0.50% · 4.625%
HK$28,691
+HK$1,645/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,092/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,312
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,072
−HK$770/mo
Today · 4.125%
HK$29,842
baseline
▲ 0.50% · 4.625%
HK$31,415
+HK$1,573/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,684/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,721
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,739
−HK$1,034/mo
Today · 4.125%
HK$34,773
baseline
▲ 0.50% · 4.625%
HK$36,889
+HK$2,116/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,546/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,402
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,378
−HK$990/mo
Today · 4.125%
HK$38,368
baseline
▲ 0.50% · 4.625%
HK$40,391
+HK$2,023/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,736/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,162 · 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).