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$18,162
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,727
−HK$574/mo
Today · 4.125%
HK$19,301
baseline
▲ 0.50% · 4.625%
HK$20,475
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,602/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,205
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,747
−HK$550/mo
Today · 4.125%
HK$21,297
baseline
▲ 0.50% · 4.625%
HK$22,419
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,594/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,795
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,472
−HK$689/mo
Today · 4.125%
HK$23,161
baseline
▲ 0.50% · 4.625%
HK$24,571
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,322/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,246
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,896
−HK$660/mo
Today · 4.125%
HK$25,556
baseline
▲ 0.50% · 4.625%
HK$26,903
+HK$1,347/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,112/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,427
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,218
−HK$803/mo
Today · 4.125%
HK$27,021
baseline
▲ 0.50% · 4.625%
HK$28,666
+HK$1,645/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,042/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,287
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,046
−HK$770/mo
Today · 4.125%
HK$29,816
baseline
▲ 0.50% · 4.625%
HK$31,387
+HK$1,571/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,632/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,692
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,709
−HK$1,033/mo
Today · 4.125%
HK$34,742
baseline
▲ 0.50% · 4.625%
HK$36,856
+HK$2,114/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$69,484/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,369
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,345
−HK$989/mo
Today · 4.125%
HK$38,334
baseline
▲ 0.50% · 4.625%
HK$40,355
+HK$2,021/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$76,668/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,949 · 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).