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$18,150
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,715
−HK$573/mo
Today · 4.125%
HK$19,288
baseline
▲ 0.50% · 4.625%
HK$20,462
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,576/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,192
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,733
−HK$550/mo
Today · 4.125%
HK$21,283
baseline
▲ 0.50% · 4.625%
HK$22,404
+HK$1,121/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,566/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,780
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,457
−HK$689/mo
Today · 4.125%
HK$23,146
baseline
▲ 0.50% · 4.625%
HK$24,554
+HK$1,408/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$46,292/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,230
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,880
−HK$659/mo
Today · 4.125%
HK$25,539
baseline
▲ 0.50% · 4.625%
HK$26,885
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$51,078/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,410
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,200
−HK$803/mo
Today · 4.125%
HK$27,003
baseline
▲ 0.50% · 4.625%
HK$28,647
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,006/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,268
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,026
−HK$770/mo
Today · 4.125%
HK$29,796
baseline
▲ 0.50% · 4.625%
HK$31,366
+HK$1,570/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,592/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,670
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,686
−HK$1,033/mo
Today · 4.125%
HK$34,719
baseline
▲ 0.50% · 4.625%
HK$36,831
+HK$2,112/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,438/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,345
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,320
−HK$989/mo
Today · 4.125%
HK$38,309
baseline
▲ 0.50% · 4.625%
HK$40,328
+HK$2,019/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,618/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,789 · 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).