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$18,148
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,712
−HK$574/mo
Today · 4.125%
HK$19,286
baseline
▲ 0.50% · 4.625%
HK$20,459
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,572/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,189
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,731
−HK$549/mo
Today · 4.125%
HK$21,280
baseline
▲ 0.50% · 4.625%
HK$22,402
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,560/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,777
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,455
−HK$688/mo
Today · 4.125%
HK$23,143
baseline
▲ 0.50% · 4.625%
HK$24,551
+HK$1,408/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$46,286/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,227
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,877
−HK$659/mo
Today · 4.125%
HK$25,536
baseline
▲ 0.50% · 4.625%
HK$26,882
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$51,072/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,407
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,197
−HK$803/mo
Today · 4.125%
HK$27,000
baseline
▲ 0.50% · 4.625%
HK$28,643
+HK$1,643/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,000/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,265
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,023
−HK$769/mo
Today · 4.125%
HK$29,792
baseline
▲ 0.50% · 4.625%
HK$31,363
+HK$1,571/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,584/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,666
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,682
−HK$1,033/mo
Today · 4.125%
HK$34,715
baseline
▲ 0.50% · 4.625%
HK$36,827
+HK$2,112/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,430/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,341
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,315
−HK$989/mo
Today · 4.125%
HK$38,304
baseline
▲ 0.50% · 4.625%
HK$40,323
+HK$2,019/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,608/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,762 · 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).