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$18,192
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,758
−HK$575/mo
Today · 4.125%
HK$19,333
baseline
▲ 0.50% · 4.625%
HK$20,510
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,666/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,239
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,782
−HK$550/mo
Today · 4.125%
HK$21,332
baseline
▲ 0.50% · 4.625%
HK$22,457
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,664/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,831
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,510
−HK$690/mo
Today · 4.125%
HK$23,200
baseline
▲ 0.50% · 4.625%
HK$24,612
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,400/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,287
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,938
−HK$661/mo
Today · 4.125%
HK$25,599
baseline
▲ 0.50% · 4.625%
HK$26,948
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,198/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,469
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,262
−HK$805/mo
Today · 4.125%
HK$27,067
baseline
▲ 0.50% · 4.625%
HK$28,713
+HK$1,646/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,134/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,334
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,094
−HK$771/mo
Today · 4.125%
HK$29,865
baseline
▲ 0.50% · 4.625%
HK$31,439
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,730/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,746
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,765
−HK$1,035/mo
Today · 4.125%
HK$34,800
baseline
▲ 0.50% · 4.625%
HK$36,917
+HK$2,117/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,600/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,430
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,407
−HK$991/mo
Today · 4.125%
HK$38,398
baseline
▲ 0.50% · 4.625%
HK$40,422
+HK$2,024/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,796/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,348 · 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).