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$18,180
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,745
−HK$575/mo
Today · 4.125%
HK$19,320
baseline
▲ 0.50% · 4.625%
HK$20,496
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,640/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,225
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,767
−HK$551/mo
Today · 4.125%
HK$21,318
baseline
▲ 0.50% · 4.625%
HK$22,441
+HK$1,123/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,636/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,816
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,495
−HK$689/mo
Today · 4.125%
HK$23,184
baseline
▲ 0.50% · 4.625%
HK$24,595
+HK$1,411/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,368/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,270
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,921
−HK$660/mo
Today · 4.125%
HK$25,581
baseline
▲ 0.50% · 4.625%
HK$26,930
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,162/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,452
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,244
−HK$804/mo
Today · 4.125%
HK$27,048
baseline
▲ 0.50% · 4.625%
HK$28,694
+HK$1,646/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,096/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,315
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,074
−HK$771/mo
Today · 4.125%
HK$29,845
baseline
▲ 0.50% · 4.625%
HK$31,418
+HK$1,573/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,690/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,724
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,742
−HK$1,034/mo
Today · 4.125%
HK$34,776
baseline
▲ 0.50% · 4.625%
HK$36,892
+HK$2,116/mo
Deposit HK$797K · loan HK$7.18M · min. income ≈ HK$69,552/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,405
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,381
−HK$991/mo
Today · 4.125%
HK$38,372
baseline
▲ 0.50% · 4.625%
HK$40,395
+HK$2,023/mo
Deposit HK$797K · loan HK$7.18M · min. income ≈ HK$76,744/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,184 · 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).