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$18,199
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,765
−HK$575/mo
Today · 4.125%
HK$19,340
baseline
▲ 0.50% · 4.625%
HK$20,517
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,680/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,246
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,789
−HK$551/mo
Today · 4.125%
HK$21,340
baseline
▲ 0.50% · 4.625%
HK$22,465
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,680/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,839
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,518
−HK$690/mo
Today · 4.125%
HK$23,208
baseline
▲ 0.50% · 4.625%
HK$24,620
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,416/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,295
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,947
−HK$661/mo
Today · 4.125%
HK$25,608
baseline
▲ 0.50% · 4.625%
HK$26,958
+HK$1,350/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,216/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,479
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,271
−HK$805/mo
Today · 4.125%
HK$27,076
baseline
▲ 0.50% · 4.625%
HK$28,724
+HK$1,648/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$54,152/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,345
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,105
−HK$771/mo
Today · 4.125%
HK$29,876
baseline
▲ 0.50% · 4.625%
HK$31,451
+HK$1,575/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$59,752/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,758
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,777
−HK$1,035/mo
Today · 4.125%
HK$34,812
baseline
▲ 0.50% · 4.625%
HK$36,931
+HK$2,119/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,624/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,443
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,421
−HK$991/mo
Today · 4.125%
HK$38,412
baseline
▲ 0.50% · 4.625%
HK$40,437
+HK$2,025/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,824/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,434 · 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).