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$18,197
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,763
−HK$575/mo
Today · 4.125%
HK$19,338
baseline
▲ 0.50% · 4.625%
HK$20,515
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,676/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,244
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,787
−HK$551/mo
Today · 4.125%
HK$21,338
baseline
▲ 0.50% · 4.625%
HK$22,462
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,676/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,836
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,515
−HK$691/mo
Today · 4.125%
HK$23,206
baseline
▲ 0.50% · 4.625%
HK$24,618
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,412/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,293
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,944
−HK$661/mo
Today · 4.125%
HK$25,605
baseline
▲ 0.50% · 4.625%
HK$26,955
+HK$1,350/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,210/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,476
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,268
−HK$805/mo
Today · 4.125%
HK$27,073
baseline
▲ 0.50% · 4.625%
HK$28,721
+HK$1,648/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$54,146/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,341
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,101
−HK$772/mo
Today · 4.125%
HK$29,873
baseline
▲ 0.50% · 4.625%
HK$31,447
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$59,746/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,754
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,773
−HK$1,035/mo
Today · 4.125%
HK$34,808
baseline
▲ 0.50% · 4.625%
HK$36,926
+HK$2,118/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,616/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,439
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,416
−HK$992/mo
Today · 4.125%
HK$38,408
baseline
▲ 0.50% · 4.625%
HK$40,432
+HK$2,024/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,816/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,406 · 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).