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$18,192
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,758
−HK$575/mo
Today · 4.125%
HK$19,333
baseline
▲ 0.50% · 4.625%
HK$20,509
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,666/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,238
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,781
−HK$551/mo
Today · 4.125%
HK$21,332
baseline
▲ 0.50% · 4.625%
HK$22,456
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,664/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,830
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,509
−HK$690/mo
Today · 4.125%
HK$23,199
baseline
▲ 0.50% · 4.625%
HK$24,611
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,398/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,286
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,937
−HK$661/mo
Today · 4.125%
HK$25,598
baseline
▲ 0.50% · 4.625%
HK$26,947
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,196/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,468
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,261
−HK$805/mo
Today · 4.125%
HK$27,066
baseline
▲ 0.50% · 4.625%
HK$28,712
+HK$1,646/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,132/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,333
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,093
−HK$771/mo
Today · 4.125%
HK$29,864
baseline
▲ 0.50% · 4.625%
HK$31,438
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,728/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,745
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,764
−HK$1,035/mo
Today · 4.125%
HK$34,799
baseline
▲ 0.50% · 4.625%
HK$36,916
+HK$2,117/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,598/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,429
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,406
−HK$991/mo
Today · 4.125%
HK$38,397
baseline
▲ 0.50% · 4.625%
HK$40,421
+HK$2,024/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,794/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,339 · 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).