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$18,184
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,749
−HK$575/mo
Today · 4.125%
HK$19,324
baseline
▲ 0.50% · 4.625%
HK$20,500
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,648/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,229
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,772
−HK$550/mo
Today · 4.125%
HK$21,322
baseline
▲ 0.50% · 4.625%
HK$22,446
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,644/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,821
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,499
−HK$690/mo
Today · 4.125%
HK$23,189
baseline
▲ 0.50% · 4.625%
HK$24,600
+HK$1,411/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,378/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,275
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,926
−HK$661/mo
Today · 4.125%
HK$25,587
baseline
▲ 0.50% · 4.625%
HK$26,935
+HK$1,348/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,174/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,457
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,249
−HK$805/mo
Today · 4.125%
HK$27,054
baseline
▲ 0.50% · 4.625%
HK$28,700
+HK$1,646/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,108/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,321
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,081
−HK$770/mo
Today · 4.125%
HK$29,851
baseline
▲ 0.50% · 4.625%
HK$31,425
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,702/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,731
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,749
−HK$1,034/mo
Today · 4.125%
HK$34,783
baseline
▲ 0.50% · 4.625%
HK$36,900
+HK$2,117/mo
Deposit HK$797K · loan HK$7.18M · min. income ≈ HK$69,566/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,413
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,389
−HK$991/mo
Today · 4.125%
HK$38,380
baseline
▲ 0.50% · 4.625%
HK$40,403
+HK$2,023/mo
Deposit HK$797K · loan HK$7.18M · min. income ≈ HK$76,760/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,234 · 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).