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$18,192
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,757
−HK$575/mo
Today · 4.125%
HK$19,332
baseline
▲ 0.50% · 4.625%
HK$20,509
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,664/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,238
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,781
−HK$550/mo
Today · 4.125%
HK$21,331
baseline
▲ 0.50% · 4.625%
HK$22,456
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,662/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,830
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,509
−HK$690/mo
Today · 4.125%
HK$23,199
baseline
▲ 0.50% · 4.625%
HK$24,610
+HK$1,411/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,398/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,286
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,937
−HK$661/mo
Today · 4.125%
HK$25,598
baseline
▲ 0.50% · 4.625%
HK$26,947
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,196/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,468
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,260
−HK$805/mo
Today · 4.125%
HK$27,065
baseline
▲ 0.50% · 4.625%
HK$28,712
+HK$1,647/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,130/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,333
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,093
−HK$771/mo
Today · 4.125%
HK$29,864
baseline
▲ 0.50% · 4.625%
HK$31,438
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,728/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,745
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,763
−HK$1,035/mo
Today · 4.125%
HK$34,798
baseline
▲ 0.50% · 4.625%
HK$36,916
+HK$2,118/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,596/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,428
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,405
−HK$992/mo
Today · 4.125%
HK$38,397
baseline
▲ 0.50% · 4.625%
HK$40,420
+HK$2,023/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,794/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,337 · 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).