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$18,214
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,781
−HK$576/mo
Today · 4.125%
HK$19,357
baseline
▲ 0.50% · 4.625%
HK$20,534
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,714/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,263
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,807
−HK$551/mo
Today · 4.125%
HK$21,358
baseline
▲ 0.50% · 4.625%
HK$22,484
+HK$1,126/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,716/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,857
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,537
−HK$691/mo
Today · 4.125%
HK$23,228
baseline
▲ 0.50% · 4.625%
HK$24,641
+HK$1,413/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$46,456/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,316
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,968
−HK$662/mo
Today · 4.125%
HK$25,630
baseline
▲ 0.50% · 4.625%
HK$26,981
+HK$1,351/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$51,260/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,500
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,293
−HK$806/mo
Today · 4.125%
HK$27,099
baseline
▲ 0.50% · 4.625%
HK$28,748
+HK$1,649/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,198/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,369
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,129
−HK$772/mo
Today · 4.125%
HK$29,901
baseline
▲ 0.50% · 4.625%
HK$31,477
+HK$1,576/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,802/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,786
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,806
−HK$1,036/mo
Today · 4.125%
HK$34,842
baseline
▲ 0.50% · 4.625%
HK$36,962
+HK$2,120/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,684/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,474
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,452
−HK$992/mo
Today · 4.125%
HK$38,444
baseline
▲ 0.50% · 4.625%
HK$40,471
+HK$2,027/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,888/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,636 · 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).