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$18,206
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,772
−HK$575/mo
Today · 4.125%
HK$19,347
baseline
▲ 0.50% · 4.625%
HK$20,525
+HK$1,178/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,694/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,254
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,797
−HK$551/mo
Today · 4.125%
HK$21,348
baseline
▲ 0.50% · 4.625%
HK$22,473
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,696/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,847
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,526
−HK$691/mo
Today · 4.125%
HK$23,217
baseline
▲ 0.50% · 4.625%
HK$24,630
+HK$1,413/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,434/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,304
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,956
−HK$662/mo
Today · 4.125%
HK$25,618
baseline
▲ 0.50% · 4.625%
HK$26,968
+HK$1,350/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,236/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,488
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,281
−HK$805/mo
Today · 4.125%
HK$27,086
baseline
▲ 0.50% · 4.625%
HK$28,734
+HK$1,648/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,172/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,355
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,116
−HK$771/mo
Today · 4.125%
HK$29,887
baseline
▲ 0.50% · 4.625%
HK$31,462
+HK$1,575/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,774/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,770
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,790
−HK$1,035/mo
Today · 4.125%
HK$34,825
baseline
▲ 0.50% · 4.625%
HK$36,944
+HK$2,119/mo
Deposit HK$798K · loan HK$7.19M · min. income ≈ HK$69,650/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,457
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,434
−HK$992/mo
Today · 4.125%
HK$38,426
baseline
▲ 0.50% · 4.625%
HK$40,452
+HK$2,026/mo
Deposit HK$798K · loan HK$7.19M · min. income ≈ HK$76,852/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,523 · 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).