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$18,173
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,738
−HK$575/mo
Today · 4.125%
HK$19,313
baseline
▲ 0.50% · 4.625%
HK$20,488
+HK$1,175/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,626/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,217
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,759
−HK$551/mo
Today · 4.125%
HK$21,310
baseline
▲ 0.50% · 4.625%
HK$22,433
+HK$1,123/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,620/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,808
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,486
−HK$689/mo
Today · 4.125%
HK$23,175
baseline
▲ 0.50% · 4.625%
HK$24,585
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,350/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,261
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,911
−HK$660/mo
Today · 4.125%
HK$25,571
baseline
▲ 0.50% · 4.625%
HK$26,919
+HK$1,348/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,142/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,442
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,234
−HK$804/mo
Today · 4.125%
HK$27,038
baseline
▲ 0.50% · 4.625%
HK$28,683
+HK$1,645/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,076/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,304
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,063
−HK$770/mo
Today · 4.125%
HK$29,833
baseline
▲ 0.50% · 4.625%
HK$31,406
+HK$1,573/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,666/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,711
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,729
−HK$1,034/mo
Today · 4.125%
HK$34,763
baseline
▲ 0.50% · 4.625%
HK$36,878
+HK$2,115/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,526/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,391
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,367
−HK$990/mo
Today · 4.125%
HK$38,357
baseline
▲ 0.50% · 4.625%
HK$40,379
+HK$2,022/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,714/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,091 · 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).