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$18,152
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,717
−HK$574/mo
Today · 4.125%
HK$19,291
baseline
▲ 0.50% · 4.625%
HK$20,464
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,582/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,194
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,736
−HK$549/mo
Today · 4.125%
HK$21,285
baseline
▲ 0.50% · 4.625%
HK$22,407
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,570/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,783
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,460
−HK$689/mo
Today · 4.125%
HK$23,149
baseline
▲ 0.50% · 4.625%
HK$24,557
+HK$1,408/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$46,298/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,233
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,883
−HK$659/mo
Today · 4.125%
HK$25,542
baseline
▲ 0.50% · 4.625%
HK$26,889
+HK$1,347/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$51,084/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,413
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,204
−HK$803/mo
Today · 4.125%
HK$27,007
baseline
▲ 0.50% · 4.625%
HK$28,650
+HK$1,643/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,014/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,272
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,030
−HK$769/mo
Today · 4.125%
HK$29,799
baseline
▲ 0.50% · 4.625%
HK$31,370
+HK$1,571/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,598/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,674
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,690
−HK$1,033/mo
Today · 4.125%
HK$34,723
baseline
▲ 0.50% · 4.625%
HK$36,836
+HK$2,113/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,446/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,350
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,324
−HK$989/mo
Today · 4.125%
HK$38,313
baseline
▲ 0.50% · 4.625%
HK$40,333
+HK$2,020/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,626/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,819 · 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).