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$18,211
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,778
−HK$575/mo
Today · 4.125%
HK$19,353
baseline
▲ 0.50% · 4.625%
HK$20,531
+HK$1,178/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,706/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,260
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,803
−HK$552/mo
Today · 4.125%
HK$21,355
baseline
▲ 0.50% · 4.625%
HK$22,480
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,710/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,854
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,533
−HK$691/mo
Today · 4.125%
HK$23,224
baseline
▲ 0.50% · 4.625%
HK$24,637
+HK$1,413/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,448/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,312
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,964
−HK$661/mo
Today · 4.125%
HK$25,625
baseline
▲ 0.50% · 4.625%
HK$26,976
+HK$1,351/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,250/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,496
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,289
−HK$806/mo
Today · 4.125%
HK$27,095
baseline
▲ 0.50% · 4.625%
HK$28,743
+HK$1,648/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,190/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,364
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,125
−HK$771/mo
Today · 4.125%
HK$29,896
baseline
▲ 0.50% · 4.625%
HK$31,472
+HK$1,576/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,792/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,780
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,800
−HK$1,036/mo
Today · 4.125%
HK$34,836
baseline
▲ 0.50% · 4.625%
HK$36,956
+HK$2,120/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,672/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,468
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,446
−HK$992/mo
Today · 4.125%
HK$38,438
baseline
▲ 0.50% · 4.625%
HK$40,464
+HK$2,026/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,876/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,597 · 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).