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$18,184
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,750
−HK$575/mo
Today · 4.125%
HK$19,325
baseline
▲ 0.50% · 4.625%
HK$20,501
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,650/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,230
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,773
−HK$550/mo
Today · 4.125%
HK$21,323
baseline
▲ 0.50% · 4.625%
HK$22,447
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,646/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,821
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,500
−HK$690/mo
Today · 4.125%
HK$23,190
baseline
▲ 0.50% · 4.625%
HK$24,601
+HK$1,411/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,380/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,276
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,927
−HK$661/mo
Today · 4.125%
HK$25,588
baseline
▲ 0.50% · 4.625%
HK$26,936
+HK$1,348/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,176/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,458
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,250
−HK$805/mo
Today · 4.125%
HK$27,055
baseline
▲ 0.50% · 4.625%
HK$28,701
+HK$1,646/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,110/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,322
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,082
−HK$770/mo
Today · 4.125%
HK$29,852
baseline
▲ 0.50% · 4.625%
HK$31,426
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,704/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,732
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,750
−HK$1,035/mo
Today · 4.125%
HK$34,785
baseline
▲ 0.50% · 4.625%
HK$36,901
+HK$2,116/mo
Deposit HK$797K · loan HK$7.18M · min. income ≈ HK$69,570/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,414
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,391
−HK$990/mo
Today · 4.125%
HK$38,381
baseline
▲ 0.50% · 4.625%
HK$40,404
+HK$2,023/mo
Deposit HK$797K · loan HK$7.18M · min. income ≈ HK$76,762/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,242 · 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).