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$1,139/mo
▼ 0.25% · 3.875%
HK$18,735
−HK$574/mo
Today · 4.125%
HK$19,309
baseline
▲ 0.50% · 4.625%
HK$20,484
+HK$1,175/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,618/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,213
−HK$1,093/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$239,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,803
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,482
−HK$689/mo
Today · 4.125%
HK$23,171
baseline
▲ 0.50% · 4.625%
HK$24,581
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,342/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,256
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,907
−HK$660/mo
Today · 4.125%
HK$25,567
baseline
▲ 0.50% · 4.625%
HK$26,914
+HK$1,347/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,134/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,437
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,229
−HK$804/mo
Today · 4.125%
HK$27,033
baseline
▲ 0.50% · 4.625%
HK$28,677
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,066/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,299
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,058
−HK$770/mo
Today · 4.125%
HK$29,828
baseline
▲ 0.50% · 4.625%
HK$31,400
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,656/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,705
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,722
−HK$1,034/mo
Today · 4.125%
HK$34,756
baseline
▲ 0.50% · 4.625%
HK$36,871
+HK$2,115/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,512/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,384
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,360
−HK$990/mo
Today · 4.125%
HK$38,350
baseline
▲ 0.50% · 4.625%
HK$40,371
+HK$2,021/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,700/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,047 · 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).