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$18,195
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,761
−HK$575/mo
Today · 4.125%
HK$19,336
baseline
▲ 0.50% · 4.625%
HK$20,513
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,672/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,242
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,785
−HK$551/mo
Today · 4.125%
HK$21,336
baseline
▲ 0.50% · 4.625%
HK$22,460
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,672/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,834
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,513
−HK$690/mo
Today · 4.125%
HK$23,203
baseline
▲ 0.50% · 4.625%
HK$24,615
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,406/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,290
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,942
−HK$661/mo
Today · 4.125%
HK$25,603
baseline
▲ 0.50% · 4.625%
HK$26,952
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,206/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,473
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,266
−HK$805/mo
Today · 4.125%
HK$27,071
baseline
▲ 0.50% · 4.625%
HK$28,718
+HK$1,647/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$54,142/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,339
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,099
−HK$771/mo
Today · 4.125%
HK$29,870
baseline
▲ 0.50% · 4.625%
HK$31,444
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$59,740/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,751
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,770
−HK$1,035/mo
Today · 4.125%
HK$34,805
baseline
▲ 0.50% · 4.625%
HK$36,923
+HK$2,118/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,610/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,436
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,413
−HK$991/mo
Today · 4.125%
HK$38,404
baseline
▲ 0.50% · 4.625%
HK$40,428
+HK$2,024/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,808/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,385 · 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).