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$18,174
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,740
−HK$574/mo
Today · 4.125%
HK$19,314
baseline
▲ 0.50% · 4.625%
HK$20,489
+HK$1,175/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,628/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,219
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,761
−HK$550/mo
Today · 4.125%
HK$21,311
baseline
▲ 0.50% · 4.625%
HK$22,435
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,622/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,809
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,488
−HK$689/mo
Today · 4.125%
HK$23,177
baseline
▲ 0.50% · 4.625%
HK$24,587
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,354/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,263
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,913
−HK$660/mo
Today · 4.125%
HK$25,573
baseline
▲ 0.50% · 4.625%
HK$26,921
+HK$1,348/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,146/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,444
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,236
−HK$804/mo
Today · 4.125%
HK$27,040
baseline
▲ 0.50% · 4.625%
HK$28,685
+HK$1,645/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,080/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,306
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,066
−HK$770/mo
Today · 4.125%
HK$29,836
baseline
▲ 0.50% · 4.625%
HK$31,408
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,672/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,714
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,732
−HK$1,033/mo
Today · 4.125%
HK$34,765
baseline
▲ 0.50% · 4.625%
HK$36,881
+HK$2,116/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,530/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,394
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,370
−HK$990/mo
Today · 4.125%
HK$38,360
baseline
▲ 0.50% · 4.625%
HK$40,382
+HK$2,022/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,720/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,111 · 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).