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$18,205
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,771
−HK$576/mo
Today · 4.125%
HK$19,347
baseline
▲ 0.50% · 4.625%
HK$20,524
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,694/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,253
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,796
−HK$551/mo
Today · 4.125%
HK$21,347
baseline
▲ 0.50% · 4.625%
HK$22,472
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,694/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,846
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,526
−HK$690/mo
Today · 4.125%
HK$23,216
baseline
▲ 0.50% · 4.625%
HK$24,629
+HK$1,413/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,432/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,304
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,955
−HK$662/mo
Today · 4.125%
HK$25,617
baseline
▲ 0.50% · 4.625%
HK$26,967
+HK$1,350/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,234/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,487
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,280
−HK$805/mo
Today · 4.125%
HK$27,085
baseline
▲ 0.50% · 4.625%
HK$28,734
+HK$1,649/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,170/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,354
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,115
−HK$771/mo
Today · 4.125%
HK$29,886
baseline
▲ 0.50% · 4.625%
HK$31,461
+HK$1,575/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,772/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,769
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,789
−HK$1,035/mo
Today · 4.125%
HK$34,824
baseline
▲ 0.50% · 4.625%
HK$36,943
+HK$2,119/mo
Deposit HK$798K · loan HK$7.19M · min. income ≈ HK$69,648/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,455
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,433
−HK$992/mo
Today · 4.125%
HK$38,425
baseline
▲ 0.50% · 4.625%
HK$40,450
+HK$2,025/mo
Deposit HK$798K · loan HK$7.19M · min. income ≈ HK$76,850/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,515 · 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).