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$18,176
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,741
−HK$574/mo
Today · 4.125%
HK$19,315
baseline
▲ 0.50% · 4.625%
HK$20,491
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,630/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,220
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,762
−HK$551/mo
Today · 4.125%
HK$21,313
baseline
▲ 0.50% · 4.625%
HK$22,436
+HK$1,123/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,626/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,811
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,489
−HK$689/mo
Today · 4.125%
HK$23,178
baseline
▲ 0.50% · 4.625%
HK$24,589
+HK$1,411/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,356/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,264
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,915
−HK$660/mo
Today · 4.125%
HK$25,575
baseline
▲ 0.50% · 4.625%
HK$26,923
+HK$1,348/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,150/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,446
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,237
−HK$804/mo
Today · 4.125%
HK$27,041
baseline
▲ 0.50% · 4.625%
HK$28,687
+HK$1,646/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,082/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,308
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,067
−HK$771/mo
Today · 4.125%
HK$29,838
baseline
▲ 0.50% · 4.625%
HK$31,410
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,676/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,716
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,734
−HK$1,034/mo
Today · 4.125%
HK$34,768
baseline
▲ 0.50% · 4.625%
HK$36,883
+HK$2,115/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,536/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,396
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,372
−HK$991/mo
Today · 4.125%
HK$38,363
baseline
▲ 0.50% · 4.625%
HK$40,385
+HK$2,022/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,726/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,126 · 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).