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$18,156
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,720
−HK$574/mo
Today · 4.125%
HK$19,294
baseline
▲ 0.50% · 4.625%
HK$20,468
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,588/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,198
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,740
−HK$549/mo
Today · 4.125%
HK$21,289
baseline
▲ 0.50% · 4.625%
HK$22,411
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,578/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,787
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,464
−HK$689/mo
Today · 4.125%
HK$23,153
baseline
▲ 0.50% · 4.625%
HK$24,562
+HK$1,409/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$46,306/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,238
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,888
−HK$659/mo
Today · 4.125%
HK$25,547
baseline
▲ 0.50% · 4.625%
HK$26,894
+HK$1,347/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$51,094/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,418
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,209
−HK$803/mo
Today · 4.125%
HK$27,012
baseline
▲ 0.50% · 4.625%
HK$28,655
+HK$1,643/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,024/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,277
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,035
−HK$770/mo
Today · 4.125%
HK$29,805
baseline
▲ 0.50% · 4.625%
HK$31,376
+HK$1,571/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,610/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,680
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,697
−HK$1,032/mo
Today · 4.125%
HK$34,729
baseline
▲ 0.50% · 4.625%
HK$36,843
+HK$2,114/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$69,458/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,356
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,331
−HK$990/mo
Today · 4.125%
HK$38,321
baseline
▲ 0.50% · 4.625%
HK$40,340
+HK$2,019/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$76,642/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,863 · 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).