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$18,183
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,749
−HK$574/mo
Today · 4.125%
HK$19,323
baseline
▲ 0.50% · 4.625%
HK$20,499
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,646/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,228
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,771
−HK$550/mo
Today · 4.125%
HK$21,321
baseline
▲ 0.50% · 4.625%
HK$22,445
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,642/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,819
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,498
−HK$690/mo
Today · 4.125%
HK$23,188
baseline
▲ 0.50% · 4.625%
HK$24,599
+HK$1,411/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,376/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,274
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,925
−HK$660/mo
Today · 4.125%
HK$25,585
baseline
▲ 0.50% · 4.625%
HK$26,934
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,170/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,456
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,248
−HK$804/mo
Today · 4.125%
HK$27,052
baseline
▲ 0.50% · 4.625%
HK$28,698
+HK$1,646/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,104/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,320
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,079
−HK$771/mo
Today · 4.125%
HK$29,850
baseline
▲ 0.50% · 4.625%
HK$31,423
+HK$1,573/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,700/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,729
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,747
−HK$1,035/mo
Today · 4.125%
HK$34,782
baseline
▲ 0.50% · 4.625%
HK$36,898
+HK$2,116/mo
Deposit HK$797K · loan HK$7.18M · min. income ≈ HK$69,564/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,411
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,387
−HK$991/mo
Today · 4.125%
HK$38,378
baseline
▲ 0.50% · 4.625%
HK$40,401
+HK$2,023/mo
Deposit HK$797K · loan HK$7.18M · min. income ≈ HK$76,756/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,222 · 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).