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$18,196
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,762
−HK$575/mo
Today · 4.125%
HK$19,337
baseline
▲ 0.50% · 4.625%
HK$20,514
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,674/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,243
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,786
−HK$550/mo
Today · 4.125%
HK$21,336
baseline
▲ 0.50% · 4.625%
HK$22,461
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,672/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,835
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,514
−HK$690/mo
Today · 4.125%
HK$23,204
baseline
▲ 0.50% · 4.625%
HK$24,616
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,408/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,291
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,943
−HK$661/mo
Today · 4.125%
HK$25,604
baseline
▲ 0.50% · 4.625%
HK$26,953
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,208/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,474
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,267
−HK$805/mo
Today · 4.125%
HK$27,072
baseline
▲ 0.50% · 4.625%
HK$28,719
+HK$1,647/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$54,144/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,340
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,100
−HK$771/mo
Today · 4.125%
HK$29,871
baseline
▲ 0.50% · 4.625%
HK$31,446
+HK$1,575/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$59,742/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,753
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,771
−HK$1,036/mo
Today · 4.125%
HK$34,807
baseline
▲ 0.50% · 4.625%
HK$36,924
+HK$2,117/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,614/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,437
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,414
−HK$992/mo
Today · 4.125%
HK$38,406
baseline
▲ 0.50% · 4.625%
HK$40,430
+HK$2,024/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,812/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,394 · 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).