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$18,129
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,692
−HK$573/mo
Today · 4.125%
HK$19,265
baseline
▲ 0.50% · 4.625%
HK$20,438
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,530/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,168
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,709
−HK$548/mo
Today · 4.125%
HK$21,257
baseline
▲ 0.50% · 4.625%
HK$22,378
+HK$1,121/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,514/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,754
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,431
−HK$687/mo
Today · 4.125%
HK$23,118
baseline
▲ 0.50% · 4.625%
HK$24,525
+HK$1,407/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,236/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,201
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,850
−HK$659/mo
Today · 4.125%
HK$25,509
baseline
▲ 0.50% · 4.625%
HK$26,854
+HK$1,345/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,018/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,380
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,169
−HK$803/mo
Today · 4.125%
HK$26,972
baseline
▲ 0.50% · 4.625%
HK$28,613
+HK$1,641/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,944/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,235
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,992
−HK$768/mo
Today · 4.125%
HK$29,760
baseline
▲ 0.50% · 4.625%
HK$31,329
+HK$1,569/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,520/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,631
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,646
−HK$1,032/mo
Today · 4.125%
HK$34,678
baseline
▲ 0.50% · 4.625%
HK$36,788
+HK$2,110/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$69,356/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,302
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,276
−HK$987/mo
Today · 4.125%
HK$38,263
baseline
▲ 0.50% · 4.625%
HK$40,280
+HK$2,017/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$76,526/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,507 · 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).