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$18,152
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,716
−HK$574/mo
Today · 4.125%
HK$19,290
baseline
▲ 0.50% · 4.625%
HK$20,464
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,580/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,193
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,735
−HK$549/mo
Today · 4.125%
HK$21,284
baseline
▲ 0.50% · 4.625%
HK$22,406
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,568/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,782
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,459
−HK$689/mo
Today · 4.125%
HK$23,148
baseline
▲ 0.50% · 4.625%
HK$24,556
+HK$1,408/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$46,296/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,232
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,882
−HK$659/mo
Today · 4.125%
HK$25,541
baseline
▲ 0.50% · 4.625%
HK$26,888
+HK$1,347/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$51,082/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,412
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,203
−HK$803/mo
Today · 4.125%
HK$27,006
baseline
▲ 0.50% · 4.625%
HK$28,649
+HK$1,643/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,012/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,271
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,029
−HK$769/mo
Today · 4.125%
HK$29,798
baseline
▲ 0.50% · 4.625%
HK$31,369
+HK$1,571/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,596/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,673
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,689
−HK$1,033/mo
Today · 4.125%
HK$34,722
baseline
▲ 0.50% · 4.625%
HK$36,834
+HK$2,112/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,444/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,348
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,323
−HK$989/mo
Today · 4.125%
HK$38,312
baseline
▲ 0.50% · 4.625%
HK$40,332
+HK$2,020/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,624/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,810 · 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).