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$18,213
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,780
−HK$575/mo
Today · 4.125%
HK$19,355
baseline
▲ 0.50% · 4.625%
HK$20,533
+HK$1,178/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,710/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,262
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,805
−HK$552/mo
Today · 4.125%
HK$21,357
baseline
▲ 0.50% · 4.625%
HK$22,483
+HK$1,126/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,714/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,856
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,536
−HK$690/mo
Today · 4.125%
HK$23,226
baseline
▲ 0.50% · 4.625%
HK$24,640
+HK$1,414/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,452/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,314
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,967
−HK$661/mo
Today · 4.125%
HK$25,628
baseline
▲ 0.50% · 4.625%
HK$26,979
+HK$1,351/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,256/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,499
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,292
−HK$806/mo
Today · 4.125%
HK$27,098
baseline
▲ 0.50% · 4.625%
HK$28,746
+HK$1,648/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,196/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,367
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,128
−HK$771/mo
Today · 4.125%
HK$29,899
baseline
▲ 0.50% · 4.625%
HK$31,476
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,798/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,784
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,804
−HK$1,036/mo
Today · 4.125%
HK$34,840
baseline
▲ 0.50% · 4.625%
HK$36,960
+HK$2,120/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,680/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,472
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,450
−HK$992/mo
Today · 4.125%
HK$38,442
baseline
▲ 0.50% · 4.625%
HK$40,469
+HK$2,027/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,884/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,622 · 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).