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$18,160
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,725
−HK$574/mo
Today · 4.125%
HK$19,299
baseline
▲ 0.50% · 4.625%
HK$20,473
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,598/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,203
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,745
−HK$550/mo
Today · 4.125%
HK$21,295
baseline
▲ 0.50% · 4.625%
HK$22,417
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,590/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,792
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,470
−HK$689/mo
Today · 4.125%
HK$23,159
baseline
▲ 0.50% · 4.625%
HK$24,568
+HK$1,409/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,318/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,244
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,894
−HK$660/mo
Today · 4.125%
HK$25,554
baseline
▲ 0.50% · 4.625%
HK$26,900
+HK$1,346/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,108/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,424
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,215
−HK$804/mo
Today · 4.125%
HK$27,019
baseline
▲ 0.50% · 4.625%
HK$28,663
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,038/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,284
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,043
−HK$769/mo
Today · 4.125%
HK$29,812
baseline
▲ 0.50% · 4.625%
HK$31,384
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,624/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,688
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,705
−HK$1,033/mo
Today · 4.125%
HK$34,738
baseline
▲ 0.50% · 4.625%
HK$36,852
+HK$2,114/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$69,476/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,366
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,341
−HK$989/mo
Today · 4.125%
HK$38,330
baseline
▲ 0.50% · 4.625%
HK$40,351
+HK$2,021/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$76,660/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,924 · 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).