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$18,216
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,783
−HK$576/mo
Today · 4.125%
HK$19,359
baseline
▲ 0.50% · 4.625%
HK$20,537
+HK$1,178/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,718/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,265
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,809
−HK$551/mo
Today · 4.125%
HK$21,360
baseline
▲ 0.50% · 4.625%
HK$22,486
+HK$1,126/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,720/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,860
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,540
−HK$690/mo
Today · 4.125%
HK$23,230
baseline
▲ 0.50% · 4.625%
HK$24,644
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$46,460/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,319
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,971
−HK$661/mo
Today · 4.125%
HK$25,632
baseline
▲ 0.50% · 4.625%
HK$26,984
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$51,264/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,503
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,296
−HK$806/mo
Today · 4.125%
HK$27,102
baseline
▲ 0.50% · 4.625%
HK$28,751
+HK$1,649/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,204/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,372
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,133
−HK$771/mo
Today · 4.125%
HK$29,904
baseline
▲ 0.50% · 4.625%
HK$31,481
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,808/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,789
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,809
−HK$1,037/mo
Today · 4.125%
HK$34,846
baseline
▲ 0.50% · 4.625%
HK$36,966
+HK$2,120/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,692/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,478
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,456
−HK$993/mo
Today · 4.125%
HK$38,449
baseline
▲ 0.50% · 4.625%
HK$40,475
+HK$2,026/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,898/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,662 · 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).