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$18,153
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,718
−HK$574/mo
Today · 4.125%
HK$19,292
baseline
▲ 0.50% · 4.625%
HK$20,465
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,584/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,195
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,737
−HK$549/mo
Today · 4.125%
HK$21,286
baseline
▲ 0.50% · 4.625%
HK$22,408
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,572/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,784
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,461
−HK$689/mo
Today · 4.125%
HK$23,150
baseline
▲ 0.50% · 4.625%
HK$24,558
+HK$1,408/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$46,300/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,234
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,884
−HK$660/mo
Today · 4.125%
HK$25,544
baseline
▲ 0.50% · 4.625%
HK$26,890
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$51,088/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,414
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,205
−HK$803/mo
Today · 4.125%
HK$27,008
baseline
▲ 0.50% · 4.625%
HK$28,652
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,016/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,273
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,032
−HK$769/mo
Today · 4.125%
HK$29,801
baseline
▲ 0.50% · 4.625%
HK$31,372
+HK$1,571/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,602/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,676
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,692
−HK$1,033/mo
Today · 4.125%
HK$34,725
baseline
▲ 0.50% · 4.625%
HK$36,838
+HK$2,113/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,450/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,351
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,326
−HK$989/mo
Today · 4.125%
HK$38,315
baseline
▲ 0.50% · 4.625%
HK$40,335
+HK$2,020/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,630/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,831 · 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).