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$18,181
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,746
−HK$575/mo
Today · 4.125%
HK$19,321
baseline
▲ 0.50% · 4.625%
HK$20,496
+HK$1,175/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,642/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,226
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,768
−HK$550/mo
Today · 4.125%
HK$21,318
baseline
▲ 0.50% · 4.625%
HK$22,442
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,636/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,817
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,495
−HK$690/mo
Today · 4.125%
HK$23,185
baseline
▲ 0.50% · 4.625%
HK$24,595
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,370/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,271
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,922
−HK$660/mo
Today · 4.125%
HK$25,582
baseline
▲ 0.50% · 4.625%
HK$26,931
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,164/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,453
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,244
−HK$805/mo
Today · 4.125%
HK$27,049
baseline
▲ 0.50% · 4.625%
HK$28,695
+HK$1,646/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,098/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,316
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,075
−HK$771/mo
Today · 4.125%
HK$29,846
baseline
▲ 0.50% · 4.625%
HK$31,419
+HK$1,573/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,692/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,725
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,743
−HK$1,034/mo
Today · 4.125%
HK$34,777
baseline
▲ 0.50% · 4.625%
HK$36,893
+HK$2,116/mo
Deposit HK$797K · loan HK$7.18M · min. income ≈ HK$69,554/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,406
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,383
−HK$990/mo
Today · 4.125%
HK$38,373
baseline
▲ 0.50% · 4.625%
HK$40,396
+HK$2,023/mo
Deposit HK$797K · loan HK$7.18M · min. income ≈ HK$76,746/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,191 · 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).