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$18,201
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,767
−HK$575/mo
Today · 4.125%
HK$19,342
baseline
▲ 0.50% · 4.625%
HK$20,519
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,684/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,248
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,791
−HK$551/mo
Today · 4.125%
HK$21,342
baseline
▲ 0.50% · 4.625%
HK$22,467
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,684/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,841
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,520
−HK$690/mo
Today · 4.125%
HK$23,210
baseline
▲ 0.50% · 4.625%
HK$24,623
+HK$1,413/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$239,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,298
−HK$1,312/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$239,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,481
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,273
−HK$806/mo
Today · 4.125%
HK$27,079
baseline
▲ 0.50% · 4.625%
HK$28,726
+HK$1,647/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$54,158/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,347
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,107
−HK$772/mo
Today · 4.125%
HK$29,879
baseline
▲ 0.50% · 4.625%
HK$31,454
+HK$1,575/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$59,758/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,761
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,780
−HK$1,035/mo
Today · 4.125%
HK$34,815
baseline
▲ 0.50% · 4.625%
HK$36,934
+HK$2,119/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$239,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,446
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,424
−HK$991/mo
Today · 4.125%
HK$38,415
baseline
▲ 0.50% · 4.625%
HK$40,440
+HK$2,025/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$239,455 · 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).