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$18,133
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,697
−HK$573/mo
Today · 4.125%
HK$19,270
baseline
▲ 0.50% · 4.625%
HK$20,442
+HK$1,172/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,540/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,172
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,714
−HK$548/mo
Today · 4.125%
HK$21,262
baseline
▲ 0.50% · 4.625%
HK$22,383
+HK$1,121/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,524/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,759
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,436
−HK$688/mo
Today · 4.125%
HK$23,124
baseline
▲ 0.50% · 4.625%
HK$24,531
+HK$1,407/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,248/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,207
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,856
−HK$659/mo
Today · 4.125%
HK$25,515
baseline
▲ 0.50% · 4.625%
HK$26,860
+HK$1,345/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,030/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,386
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,175
−HK$803/mo
Today · 4.125%
HK$26,978
baseline
▲ 0.50% · 4.625%
HK$28,619
+HK$1,641/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,956/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,241
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,999
−HK$768/mo
Today · 4.125%
HK$29,767
baseline
▲ 0.50% · 4.625%
HK$31,336
+HK$1,569/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,534/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,639
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,654
−HK$1,032/mo
Today · 4.125%
HK$34,686
baseline
▲ 0.50% · 4.625%
HK$36,796
+HK$2,110/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$69,372/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,310
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,284
−HK$988/mo
Today · 4.125%
HK$38,272
baseline
▲ 0.50% · 4.625%
HK$40,290
+HK$2,018/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$76,544/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,562 · 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).