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$18,138
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,702
−HK$574/mo
Today · 4.125%
HK$19,276
baseline
▲ 0.50% · 4.625%
HK$20,448
+HK$1,172/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$238,633 · 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$22,390
+HK$1,121/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$238,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,766
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,443
−HK$688/mo
Today · 4.125%
HK$23,131
baseline
▲ 0.50% · 4.625%
HK$24,538
+HK$1,407/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,262/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,214
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,864
−HK$658/mo
Today · 4.125%
HK$25,522
baseline
▲ 0.50% · 4.625%
HK$26,868
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,044/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,393
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,183
−HK$803/mo
Today · 4.125%
HK$26,986
baseline
▲ 0.50% · 4.625%
HK$28,628
+HK$1,642/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,972/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,250
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,008
−HK$768/mo
Today · 4.125%
HK$29,776
baseline
▲ 0.50% · 4.625%
HK$31,346
+HK$1,570/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,552/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,649
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,664
−HK$1,032/mo
Today · 4.125%
HK$34,696
baseline
▲ 0.50% · 4.625%
HK$36,807
+HK$2,111/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$69,392/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,321
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,295
−HK$989/mo
Today · 4.125%
HK$38,284
baseline
▲ 0.50% · 4.625%
HK$40,302
+HK$2,018/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$76,568/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,633 · 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).