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$18,200
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,766
−HK$575/mo
Today · 4.125%
HK$19,341
baseline
▲ 0.50% · 4.625%
HK$20,518
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,682/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,247
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,791
−HK$550/mo
Today · 4.125%
HK$21,341
baseline
▲ 0.50% · 4.625%
HK$22,466
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,682/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,840
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,520
−HK$690/mo
Today · 4.125%
HK$23,210
baseline
▲ 0.50% · 4.625%
HK$24,622
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,420/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,297
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,949
−HK$661/mo
Today · 4.125%
HK$25,610
baseline
▲ 0.50% · 4.625%
HK$26,960
+HK$1,350/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,220/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,480
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,273
−HK$805/mo
Today · 4.125%
HK$27,078
baseline
▲ 0.50% · 4.625%
HK$28,726
+HK$1,648/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$54,156/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,346
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,107
−HK$771/mo
Today · 4.125%
HK$29,878
baseline
▲ 0.50% · 4.625%
HK$31,453
+HK$1,575/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$59,756/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,760
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,779
−HK$1,036/mo
Today · 4.125%
HK$34,815
baseline
▲ 0.50% · 4.625%
HK$36,933
+HK$2,118/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,630/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,445
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,423
−HK$992/mo
Today · 4.125%
HK$38,415
baseline
▲ 0.50% · 4.625%
HK$40,439
+HK$2,024/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,830/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,449 · 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).