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$18,202
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,768
−HK$576/mo
Today · 4.125%
HK$19,344
baseline
▲ 0.50% · 4.625%
HK$20,521
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,688/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,250
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,793
−HK$551/mo
Today · 4.125%
HK$21,344
baseline
▲ 0.50% · 4.625%
HK$22,469
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,688/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,843
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,522
−HK$690/mo
Today · 4.125%
HK$23,212
baseline
▲ 0.50% · 4.625%
HK$24,625
+HK$1,413/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,424/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,300
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,951
−HK$661/mo
Today · 4.125%
HK$25,612
baseline
▲ 0.50% · 4.625%
HK$26,962
+HK$1,350/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,224/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,483
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,276
−HK$805/mo
Today · 4.125%
HK$27,081
baseline
▲ 0.50% · 4.625%
HK$28,729
+HK$1,648/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$54,162/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,349
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,110
−HK$771/mo
Today · 4.125%
HK$29,881
baseline
▲ 0.50% · 4.625%
HK$31,456
+HK$1,575/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$59,762/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,764
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,783
−HK$1,035/mo
Today · 4.125%
HK$34,818
baseline
▲ 0.50% · 4.625%
HK$36,937
+HK$2,119/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,636/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,449
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,427
−HK$992/mo
Today · 4.125%
HK$38,419
baseline
▲ 0.50% · 4.625%
HK$40,444
+HK$2,025/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,838/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,475 · 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).