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$18,205
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,771
−HK$575/mo
Today · 4.125%
HK$19,346
baseline
▲ 0.50% · 4.625%
HK$20,524
+HK$1,178/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,692/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,253
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,796
−HK$551/mo
Today · 4.125%
HK$21,347
baseline
▲ 0.50% · 4.625%
HK$22,472
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,694/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,846
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,525
−HK$691/mo
Today · 4.125%
HK$23,216
baseline
▲ 0.50% · 4.625%
HK$24,628
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,432/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,303
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,955
−HK$661/mo
Today · 4.125%
HK$25,616
baseline
▲ 0.50% · 4.625%
HK$26,967
+HK$1,351/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,232/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,487
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,280
−HK$805/mo
Today · 4.125%
HK$27,085
baseline
▲ 0.50% · 4.625%
HK$28,733
+HK$1,648/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,170/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,354
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,114
−HK$772/mo
Today · 4.125%
HK$29,886
baseline
▲ 0.50% · 4.625%
HK$31,461
+HK$1,575/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,772/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,769
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,788
−HK$1,036/mo
Today · 4.125%
HK$34,824
baseline
▲ 0.50% · 4.625%
HK$36,943
+HK$2,119/mo
Deposit HK$798K · loan HK$7.19M · min. income ≈ HK$69,648/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,455
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,433
−HK$991/mo
Today · 4.125%
HK$38,424
baseline
▲ 0.50% · 4.625%
HK$40,450
+HK$2,026/mo
Deposit HK$798K · loan HK$7.19M · min. income ≈ HK$76,848/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,511 · 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).