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$18,188
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,754
−HK$575/mo
Today · 4.125%
HK$19,329
baseline
▲ 0.50% · 4.625%
HK$20,505
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,658/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,234
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,777
−HK$550/mo
Today · 4.125%
HK$21,327
baseline
▲ 0.50% · 4.625%
HK$22,451
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,654/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,826
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,504
−HK$690/mo
Today · 4.125%
HK$23,194
baseline
▲ 0.50% · 4.625%
HK$24,606
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,388/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,281
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,932
−HK$661/mo
Today · 4.125%
HK$25,593
baseline
▲ 0.50% · 4.625%
HK$26,942
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,186/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,463
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,255
−HK$805/mo
Today · 4.125%
HK$27,060
baseline
▲ 0.50% · 4.625%
HK$28,706
+HK$1,646/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,120/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,328
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,087
−HK$771/mo
Today · 4.125%
HK$29,858
baseline
▲ 0.50% · 4.625%
HK$31,432
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,716/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,738
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,757
−HK$1,034/mo
Today · 4.125%
HK$34,791
baseline
▲ 0.50% · 4.625%
HK$36,908
+HK$2,117/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,582/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,421
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,398
−HK$991/mo
Today · 4.125%
HK$38,389
baseline
▲ 0.50% · 4.625%
HK$40,412
+HK$2,023/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,778/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,289 · 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).