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$18,139
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,703
−HK$573/mo
Today · 4.125%
HK$19,276
baseline
▲ 0.50% · 4.625%
HK$20,449
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,552/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,179
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,720
−HK$549/mo
Today · 4.125%
HK$21,269
baseline
▲ 0.50% · 4.625%
HK$22,391
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,538/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,767
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,444
−HK$688/mo
Today · 4.125%
HK$23,132
baseline
▲ 0.50% · 4.625%
HK$24,539
+HK$1,407/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,264/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,215
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,865
−HK$658/mo
Today · 4.125%
HK$25,523
baseline
▲ 0.50% · 4.625%
HK$26,869
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,046/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,394
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,184
−HK$803/mo
Today · 4.125%
HK$26,987
baseline
▲ 0.50% · 4.625%
HK$28,629
+HK$1,642/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,974/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,251
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,009
−HK$768/mo
Today · 4.125%
HK$29,777
baseline
▲ 0.50% · 4.625%
HK$31,347
+HK$1,570/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,554/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,650
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,665
−HK$1,032/mo
Today · 4.125%
HK$34,697
baseline
▲ 0.50% · 4.625%
HK$36,809
+HK$2,112/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$69,394/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,323
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,297
−HK$988/mo
Today · 4.125%
HK$38,285
baseline
▲ 0.50% · 4.625%
HK$40,303
+HK$2,018/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$76,570/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,642 · 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).