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$18,139
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,704
−HK$573/mo
Today · 4.125%
HK$19,277
baseline
▲ 0.50% · 4.625%
HK$20,450
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,554/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,180
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,721
−HK$549/mo
Today · 4.125%
HK$21,270
baseline
▲ 0.50% · 4.625%
HK$22,391
+HK$1,121/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,540/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,767
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,444
−HK$688/mo
Today · 4.125%
HK$23,132
baseline
▲ 0.50% · 4.625%
HK$24,540
+HK$1,408/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,264/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,216
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,865
−HK$659/mo
Today · 4.125%
HK$25,524
baseline
▲ 0.50% · 4.625%
HK$26,870
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,048/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,395
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,185
−HK$803/mo
Today · 4.125%
HK$26,988
baseline
▲ 0.50% · 4.625%
HK$28,630
+HK$1,642/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,976/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,252
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,010
−HK$768/mo
Today · 4.125%
HK$29,778
baseline
▲ 0.50% · 4.625%
HK$31,348
+HK$1,570/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,556/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,651
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,667
−HK$1,031/mo
Today · 4.125%
HK$34,698
baseline
▲ 0.50% · 4.625%
HK$36,810
+HK$2,112/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$69,396/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,324
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,298
−HK$988/mo
Today · 4.125%
HK$38,286
baseline
▲ 0.50% · 4.625%
HK$40,304
+HK$2,018/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$76,572/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,650 · 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).