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$18,149
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,713
−HK$574/mo
Today · 4.125%
HK$19,287
baseline
▲ 0.50% · 4.625%
HK$20,460
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,574/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,190
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,732
−HK$549/mo
Today · 4.125%
HK$21,281
baseline
▲ 0.50% · 4.625%
HK$22,403
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,562/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,778
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,456
−HK$688/mo
Today · 4.125%
HK$23,144
baseline
▲ 0.50% · 4.625%
HK$24,552
+HK$1,408/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$46,288/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,228
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,878
−HK$659/mo
Today · 4.125%
HK$25,537
baseline
▲ 0.50% · 4.625%
HK$26,883
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$51,074/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,408
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,198
−HK$803/mo
Today · 4.125%
HK$27,001
baseline
▲ 0.50% · 4.625%
HK$28,644
+HK$1,643/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,002/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,266
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,024
−HK$769/mo
Today · 4.125%
HK$29,793
baseline
▲ 0.50% · 4.625%
HK$31,364
+HK$1,571/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,586/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,668
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,684
−HK$1,032/mo
Today · 4.125%
HK$34,716
baseline
▲ 0.50% · 4.625%
HK$36,828
+HK$2,112/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,432/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,342
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,317
−HK$989/mo
Today · 4.125%
HK$38,306
baseline
▲ 0.50% · 4.625%
HK$40,325
+HK$2,019/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,612/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,772 · 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).