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$18,155
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,719
−HK$574/mo
Today · 4.125%
HK$19,293
baseline
▲ 0.50% · 4.625%
HK$20,467
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,586/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,197
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,739
−HK$549/mo
Today · 4.125%
HK$21,288
baseline
▲ 0.50% · 4.625%
HK$22,410
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,576/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,786
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,463
−HK$689/mo
Today · 4.125%
HK$23,152
baseline
▲ 0.50% · 4.625%
HK$24,561
+HK$1,409/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$46,304/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,236
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,886
−HK$660/mo
Today · 4.125%
HK$25,546
baseline
▲ 0.50% · 4.625%
HK$26,892
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$51,092/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,417
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,207
−HK$803/mo
Today · 4.125%
HK$27,010
baseline
▲ 0.50% · 4.625%
HK$28,654
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,020/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,276
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,034
−HK$769/mo
Today · 4.125%
HK$29,803
baseline
▲ 0.50% · 4.625%
HK$31,374
+HK$1,571/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,606/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,678
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,695
−HK$1,033/mo
Today · 4.125%
HK$34,728
baseline
▲ 0.50% · 4.625%
HK$36,841
+HK$2,113/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$69,456/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,354
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,329
−HK$990/mo
Today · 4.125%
HK$38,319
baseline
▲ 0.50% · 4.625%
HK$40,338
+HK$2,019/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$76,638/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,851 · 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).