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$18,164
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,729
−HK$574/mo
Today · 4.125%
HK$19,303
baseline
▲ 0.50% · 4.625%
HK$20,478
+HK$1,175/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,606/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,207
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,749
−HK$550/mo
Today · 4.125%
HK$21,299
baseline
▲ 0.50% · 4.625%
HK$22,422
+HK$1,123/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,598/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,797
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,475
−HK$689/mo
Today · 4.125%
HK$23,164
baseline
▲ 0.50% · 4.625%
HK$24,573
+HK$1,409/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,328/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$238,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,249
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,899
−HK$660/mo
Today · 4.125%
HK$25,559
baseline
▲ 0.50% · 4.625%
HK$26,906
+HK$1,347/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,118/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$238,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,430
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,221
−HK$803/mo
Today · 4.125%
HK$27,024
baseline
▲ 0.50% · 4.625%
HK$28,669
+HK$1,645/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,048/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,290
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,049
−HK$770/mo
Today · 4.125%
HK$29,819
baseline
▲ 0.50% · 4.625%
HK$31,390
+HK$1,571/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,638/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,695
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,712
−HK$1,033/mo
Today · 4.125%
HK$34,745
baseline
▲ 0.50% · 4.625%
HK$36,860
+HK$2,115/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,490/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,373
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,348
−HK$990/mo
Today · 4.125%
HK$38,338
baseline
▲ 0.50% · 4.625%
HK$40,359
+HK$2,021/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,676/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,973 · 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).