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$18,190
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,755
−HK$575/mo
Today · 4.125%
HK$19,330
baseline
▲ 0.50% · 4.625%
HK$20,507
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,660/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,236
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,779
−HK$550/mo
Today · 4.125%
HK$21,329
baseline
▲ 0.50% · 4.625%
HK$22,453
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,658/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,828
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,507
−HK$689/mo
Today · 4.125%
HK$23,196
baseline
▲ 0.50% · 4.625%
HK$24,608
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,392/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,283
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,934
−HK$661/mo
Today · 4.125%
HK$25,595
baseline
▲ 0.50% · 4.625%
HK$26,944
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,190/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,466
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,258
−HK$804/mo
Today · 4.125%
HK$27,062
baseline
▲ 0.50% · 4.625%
HK$28,709
+HK$1,647/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,124/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,330
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,090
−HK$771/mo
Today · 4.125%
HK$29,861
baseline
▲ 0.50% · 4.625%
HK$31,435
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,722/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,741
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,760
−HK$1,035/mo
Today · 4.125%
HK$34,795
baseline
▲ 0.50% · 4.625%
HK$36,912
+HK$2,117/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,590/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,424
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,401
−HK$991/mo
Today · 4.125%
HK$38,392
baseline
▲ 0.50% · 4.625%
HK$40,416
+HK$2,024/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,784/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,311 · 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).