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$18,219
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,785
−HK$576/mo
Today · 4.125%
HK$19,361
baseline
▲ 0.50% · 4.625%
HK$20,539
+HK$1,178/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,722/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,268
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,812
−HK$551/mo
Today · 4.125%
HK$21,363
baseline
▲ 0.50% · 4.625%
HK$22,489
+HK$1,126/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,726/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,862
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,542
−HK$691/mo
Today · 4.125%
HK$23,233
baseline
▲ 0.50% · 4.625%
HK$24,647
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$46,466/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,322
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,974
−HK$662/mo
Today · 4.125%
HK$25,636
baseline
▲ 0.50% · 4.625%
HK$26,987
+HK$1,351/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$51,272/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,506
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,300
−HK$806/mo
Today · 4.125%
HK$27,106
baseline
▲ 0.50% · 4.625%
HK$28,755
+HK$1,649/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,212/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,375
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,136
−HK$772/mo
Today · 4.125%
HK$29,908
baseline
▲ 0.50% · 4.625%
HK$31,485
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,816/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,794
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,814
−HK$1,036/mo
Today · 4.125%
HK$34,850
baseline
▲ 0.50% · 4.625%
HK$36,971
+HK$2,121/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,700/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,483
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,461
−HK$993/mo
Today · 4.125%
HK$38,454
baseline
▲ 0.50% · 4.625%
HK$40,481
+HK$2,027/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,908/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,693 · 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).