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$18,144
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,708
−HK$574/mo
Today · 4.125%
HK$19,282
baseline
▲ 0.50% · 4.625%
HK$20,455
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,564/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,185
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,726
−HK$549/mo
Today · 4.125%
HK$21,275
baseline
▲ 0.50% · 4.625%
HK$22,397
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,550/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,773
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,450
−HK$688/mo
Today · 4.125%
HK$23,138
baseline
▲ 0.50% · 4.625%
HK$24,546
+HK$1,408/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,276/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,222
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,871
−HK$659/mo
Today · 4.125%
HK$25,530
baseline
▲ 0.50% · 4.625%
HK$26,876
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,060/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,401
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,192
−HK$802/mo
Today · 4.125%
HK$26,994
baseline
▲ 0.50% · 4.625%
HK$28,637
+HK$1,643/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,988/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,259
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,017
−HK$769/mo
Today · 4.125%
HK$29,786
baseline
▲ 0.50% · 4.625%
HK$31,356
+HK$1,570/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,572/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,659
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,675
−HK$1,032/mo
Today · 4.125%
HK$34,707
baseline
▲ 0.50% · 4.625%
HK$36,819
+HK$2,112/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,414/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,333
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,307
−HK$989/mo
Today · 4.125%
HK$38,296
baseline
▲ 0.50% · 4.625%
HK$40,314
+HK$2,018/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,592/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,708 · 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).