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$18,198
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,764
−HK$575/mo
Today · 4.125%
HK$19,339
baseline
▲ 0.50% · 4.625%
HK$20,516
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,678/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,245
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,788
−HK$551/mo
Today · 4.125%
HK$21,339
baseline
▲ 0.50% · 4.625%
HK$22,464
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,678/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,838
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,517
−HK$690/mo
Today · 4.125%
HK$23,207
baseline
▲ 0.50% · 4.625%
HK$24,619
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,414/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,294
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,946
−HK$661/mo
Today · 4.125%
HK$25,607
baseline
▲ 0.50% · 4.625%
HK$26,957
+HK$1,350/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,214/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,477
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,270
−HK$805/mo
Today · 4.125%
HK$27,075
baseline
▲ 0.50% · 4.625%
HK$28,722
+HK$1,647/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$54,150/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,343
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,103
−HK$772/mo
Today · 4.125%
HK$29,875
baseline
▲ 0.50% · 4.625%
HK$31,449
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$59,750/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,757
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,775
−HK$1,036/mo
Today · 4.125%
HK$34,811
baseline
▲ 0.50% · 4.625%
HK$36,929
+HK$2,118/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,622/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,441
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,419
−HK$991/mo
Today · 4.125%
HK$38,410
baseline
▲ 0.50% · 4.625%
HK$40,435
+HK$2,025/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,820/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,422 · 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).