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$18,169
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,734
−HK$574/mo
Today · 4.125%
HK$19,308
baseline
▲ 0.50% · 4.625%
HK$20,483
+HK$1,175/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,616/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,213
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,755
−HK$550/mo
Today · 4.125%
HK$21,305
baseline
▲ 0.50% · 4.625%
HK$22,428
+HK$1,123/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,610/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,803
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,481
−HK$689/mo
Today · 4.125%
HK$23,170
baseline
▲ 0.50% · 4.625%
HK$24,580
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,340/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,255
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,906
−HK$660/mo
Today · 4.125%
HK$25,566
baseline
▲ 0.50% · 4.625%
HK$26,913
+HK$1,347/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,132/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,436
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,228
−HK$804/mo
Today · 4.125%
HK$27,032
baseline
▲ 0.50% · 4.625%
HK$28,676
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,064/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,298
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,057
−HK$770/mo
Today · 4.125%
HK$29,827
baseline
▲ 0.50% · 4.625%
HK$31,399
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,654/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,704
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,721
−HK$1,034/mo
Today · 4.125%
HK$34,755
baseline
▲ 0.50% · 4.625%
HK$36,870
+HK$2,115/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,510/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,383
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,359
−HK$990/mo
Today · 4.125%
HK$38,349
baseline
▲ 0.50% · 4.625%
HK$40,370
+HK$2,021/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,698/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,038 · 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).