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$18,135
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,699
−HK$574/mo
Today · 4.125%
HK$19,273
baseline
▲ 0.50% · 4.625%
HK$20,445
+HK$1,172/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,546/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,175
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,717
−HK$548/mo
Today · 4.125%
HK$21,265
baseline
▲ 0.50% · 4.625%
HK$22,386
+HK$1,121/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,530/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,762
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,439
−HK$688/mo
Today · 4.125%
HK$23,127
baseline
▲ 0.50% · 4.625%
HK$24,534
+HK$1,407/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,254/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,211
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,860
−HK$659/mo
Today · 4.125%
HK$25,519
baseline
▲ 0.50% · 4.625%
HK$26,864
+HK$1,345/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,038/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,390
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,179
−HK$803/mo
Today · 4.125%
HK$26,982
baseline
▲ 0.50% · 4.625%
HK$28,623
+HK$1,641/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,964/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,246
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,003
−HK$769/mo
Today · 4.125%
HK$29,772
baseline
▲ 0.50% · 4.625%
HK$31,341
+HK$1,569/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,544/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,644
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,659
−HK$1,032/mo
Today · 4.125%
HK$34,691
baseline
▲ 0.50% · 4.625%
HK$36,802
+HK$2,111/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$69,382/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,316
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,290
−HK$988/mo
Today · 4.125%
HK$38,278
baseline
▲ 0.50% · 4.625%
HK$40,295
+HK$2,017/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$76,556/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,597 · 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).