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$18,210
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,777
−HK$575/mo
Today · 4.125%
HK$19,352
baseline
▲ 0.50% · 4.625%
HK$20,530
+HK$1,178/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,704/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,259
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,802
−HK$551/mo
Today · 4.125%
HK$21,353
baseline
▲ 0.50% · 4.625%
HK$22,479
+HK$1,126/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,706/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,852
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,532
−HK$690/mo
Today · 4.125%
HK$23,222
baseline
▲ 0.50% · 4.625%
HK$24,635
+HK$1,413/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,444/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,310
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,962
−HK$662/mo
Today · 4.125%
HK$25,624
baseline
▲ 0.50% · 4.625%
HK$26,974
+HK$1,350/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,248/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,494
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,287
−HK$806/mo
Today · 4.125%
HK$27,093
baseline
▲ 0.50% · 4.625%
HK$28,741
+HK$1,648/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,186/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,362
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,123
−HK$771/mo
Today · 4.125%
HK$29,894
baseline
▲ 0.50% · 4.625%
HK$31,470
+HK$1,576/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,788/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,778
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,798
−HK$1,036/mo
Today · 4.125%
HK$34,834
baseline
▲ 0.50% · 4.625%
HK$36,953
+HK$2,119/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,668/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,465
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,443
−HK$992/mo
Today · 4.125%
HK$38,435
baseline
▲ 0.50% · 4.625%
HK$40,461
+HK$2,026/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,870/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,580 · 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).