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$18,170
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,735
−HK$575/mo
Today · 4.125%
HK$19,310
baseline
▲ 0.50% · 4.625%
HK$20,485
+HK$1,175/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,620/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,214
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,756
−HK$550/mo
Today · 4.125%
HK$21,306
baseline
▲ 0.50% · 4.625%
HK$22,429
+HK$1,123/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,612/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,804
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,483
−HK$689/mo
Today · 4.125%
HK$23,172
baseline
▲ 0.50% · 4.625%
HK$24,582
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,344/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,257
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,908
−HK$660/mo
Today · 4.125%
HK$25,568
baseline
▲ 0.50% · 4.625%
HK$26,915
+HK$1,347/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,136/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,438
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,230
−HK$804/mo
Today · 4.125%
HK$27,034
baseline
▲ 0.50% · 4.625%
HK$28,679
+HK$1,645/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,068/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,300
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,059
−HK$770/mo
Today · 4.125%
HK$29,829
baseline
▲ 0.50% · 4.625%
HK$31,401
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,658/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,707
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,724
−HK$1,033/mo
Today · 4.125%
HK$34,757
baseline
▲ 0.50% · 4.625%
HK$36,872
+HK$2,115/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,514/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,386
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,362
−HK$989/mo
Today · 4.125%
HK$38,351
baseline
▲ 0.50% · 4.625%
HK$40,373
+HK$2,022/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,702/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,056 · 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).