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$18,143
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,707
−HK$574/mo
Today · 4.125%
HK$19,281
baseline
▲ 0.50% · 4.625%
HK$20,454
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,562/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,184
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,725
−HK$549/mo
Today · 4.125%
HK$21,274
baseline
▲ 0.50% · 4.625%
HK$22,396
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,548/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,772
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,449
−HK$688/mo
Today · 4.125%
HK$23,137
baseline
▲ 0.50% · 4.625%
HK$24,545
+HK$1,408/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,274/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,221
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,870
−HK$659/mo
Today · 4.125%
HK$25,529
baseline
▲ 0.50% · 4.625%
HK$26,875
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,058/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,400
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,190
−HK$803/mo
Today · 4.125%
HK$26,993
baseline
▲ 0.50% · 4.625%
HK$28,636
+HK$1,643/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,986/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,258
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,015
−HK$769/mo
Today · 4.125%
HK$29,784
baseline
▲ 0.50% · 4.625%
HK$31,354
+HK$1,570/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,568/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,658
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,673
−HK$1,032/mo
Today · 4.125%
HK$34,705
baseline
▲ 0.50% · 4.625%
HK$36,817
+HK$2,112/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,410/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,331
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,306
−HK$988/mo
Today · 4.125%
HK$38,294
baseline
▲ 0.50% · 4.625%
HK$40,313
+HK$2,019/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,588/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,698 · 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).