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$18,210
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,776
−HK$575/mo
Today · 4.125%
HK$19,351
baseline
▲ 0.50% · 4.625%
HK$20,529
+HK$1,178/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,702/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,258
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,801
−HK$551/mo
Today · 4.125%
HK$21,352
baseline
▲ 0.50% · 4.625%
HK$22,478
+HK$1,126/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,704/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,851
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,531
−HK$691/mo
Today · 4.125%
HK$23,222
baseline
▲ 0.50% · 4.625%
HK$24,635
+HK$1,413/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,444/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,310
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,961
−HK$662/mo
Today · 4.125%
HK$25,623
baseline
▲ 0.50% · 4.625%
HK$26,973
+HK$1,350/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,246/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,493
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,286
−HK$806/mo
Today · 4.125%
HK$27,092
baseline
▲ 0.50% · 4.625%
HK$28,740
+HK$1,648/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,184/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,361
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,122
−HK$771/mo
Today · 4.125%
HK$29,893
baseline
▲ 0.50% · 4.625%
HK$31,469
+HK$1,576/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,786/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,777
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,797
−HK$1,036/mo
Today · 4.125%
HK$34,833
baseline
▲ 0.50% · 4.625%
HK$36,952
+HK$2,119/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,666/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,464
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,442
−HK$992/mo
Today · 4.125%
HK$38,434
baseline
▲ 0.50% · 4.625%
HK$40,460
+HK$2,026/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,868/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,573 · 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).