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$18,182
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,747
−HK$575/mo
Today · 4.125%
HK$19,322
baseline
▲ 0.50% · 4.625%
HK$20,497
+HK$1,175/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,644/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,227
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,769
−HK$551/mo
Today · 4.125%
HK$21,320
baseline
▲ 0.50% · 4.625%
HK$22,443
+HK$1,123/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,640/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,818
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,497
−HK$689/mo
Today · 4.125%
HK$23,186
baseline
▲ 0.50% · 4.625%
HK$24,597
+HK$1,411/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,372/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,272
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,923
−HK$661/mo
Today · 4.125%
HK$25,584
baseline
▲ 0.50% · 4.625%
HK$26,932
+HK$1,348/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,168/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,454
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,246
−HK$804/mo
Today · 4.125%
HK$27,050
baseline
▲ 0.50% · 4.625%
HK$28,696
+HK$1,646/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,100/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,318
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,077
−HK$770/mo
Today · 4.125%
HK$29,847
baseline
▲ 0.50% · 4.625%
HK$31,421
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,694/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,727
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,745
−HK$1,034/mo
Today · 4.125%
HK$34,779
baseline
▲ 0.50% · 4.625%
HK$36,895
+HK$2,116/mo
Deposit HK$797K · loan HK$7.18M · min. income ≈ HK$69,558/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,408
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,385
−HK$990/mo
Today · 4.125%
HK$38,375
baseline
▲ 0.50% · 4.625%
HK$40,398
+HK$2,023/mo
Deposit HK$797K · loan HK$7.18M · min. income ≈ HK$76,750/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,205 · 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).