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$18,199
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,765
−HK$575/mo
Today · 4.125%
HK$19,340
baseline
▲ 0.50% · 4.625%
HK$20,517
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,680/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,246
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,789
−HK$551/mo
Today · 4.125%
HK$21,340
baseline
▲ 0.50% · 4.625%
HK$22,465
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,680/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,838
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,518
−HK$690/mo
Today · 4.125%
HK$23,208
baseline
▲ 0.50% · 4.625%
HK$24,620
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,416/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,295
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,947
−HK$661/mo
Today · 4.125%
HK$25,608
baseline
▲ 0.50% · 4.625%
HK$26,957
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,216/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,478
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,271
−HK$805/mo
Today · 4.125%
HK$27,076
baseline
▲ 0.50% · 4.625%
HK$28,723
+HK$1,647/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$54,152/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,344
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,104
−HK$772/mo
Today · 4.125%
HK$29,876
baseline
▲ 0.50% · 4.625%
HK$31,450
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$59,752/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,758
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,777
−HK$1,035/mo
Today · 4.125%
HK$34,812
baseline
▲ 0.50% · 4.625%
HK$36,930
+HK$2,118/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,624/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,443
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,420
−HK$991/mo
Today · 4.125%
HK$38,411
baseline
▲ 0.50% · 4.625%
HK$40,436
+HK$2,025/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,822/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,430 · 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).