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$18,141
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,706
−HK$573/mo
Today · 4.125%
HK$19,279
baseline
▲ 0.50% · 4.625%
HK$20,452
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,558/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,182
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,723
−HK$550/mo
Today · 4.125%
HK$21,273
baseline
▲ 0.50% · 4.625%
HK$22,394
+HK$1,121/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,546/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,770
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,447
−HK$688/mo
Today · 4.125%
HK$23,135
baseline
▲ 0.50% · 4.625%
HK$24,543
+HK$1,408/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,270/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,219
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,868
−HK$659/mo
Today · 4.125%
HK$25,527
baseline
▲ 0.50% · 4.625%
HK$26,873
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,054/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,398
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,188
−HK$803/mo
Today · 4.125%
HK$26,991
baseline
▲ 0.50% · 4.625%
HK$28,633
+HK$1,642/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,982/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,255
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,013
−HK$769/mo
Today · 4.125%
HK$29,782
baseline
▲ 0.50% · 4.625%
HK$31,351
+HK$1,569/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,564/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,655
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,670
−HK$1,032/mo
Today · 4.125%
HK$34,702
baseline
▲ 0.50% · 4.625%
HK$36,814
+HK$2,112/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,404/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,328
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,302
−HK$989/mo
Today · 4.125%
HK$38,291
baseline
▲ 0.50% · 4.625%
HK$40,309
+HK$2,018/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,582/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,677 · 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).