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$18,167
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,732
−HK$574/mo
Today · 4.125%
HK$19,306
baseline
▲ 0.50% · 4.625%
HK$20,481
+HK$1,175/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,612/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,210
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,753
−HK$549/mo
Today · 4.125%
HK$21,302
baseline
▲ 0.50% · 4.625%
HK$22,425
+HK$1,123/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,604/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,800
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,478
−HK$689/mo
Today · 4.125%
HK$23,167
baseline
▲ 0.50% · 4.625%
HK$24,577
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,334/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,253
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,903
−HK$660/mo
Today · 4.125%
HK$25,563
baseline
▲ 0.50% · 4.625%
HK$26,910
+HK$1,347/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,126/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,434
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,225
−HK$804/mo
Today · 4.125%
HK$27,029
baseline
▲ 0.50% · 4.625%
HK$28,673
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,058/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,295
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,054
−HK$769/mo
Today · 4.125%
HK$29,823
baseline
▲ 0.50% · 4.625%
HK$31,395
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,646/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,700
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,718
−HK$1,033/mo
Today · 4.125%
HK$34,751
baseline
▲ 0.50% · 4.625%
HK$36,866
+HK$2,115/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,502/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,379
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,355
−HK$989/mo
Today · 4.125%
HK$38,344
baseline
▲ 0.50% · 4.625%
HK$40,365
+HK$2,021/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,688/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,012 · 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).