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$18,168
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,733
−HK$574/mo
Today · 4.125%
HK$19,307
baseline
▲ 0.50% · 4.625%
HK$20,482
+HK$1,175/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,614/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,212
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,754
−HK$550/mo
Today · 4.125%
HK$21,304
baseline
▲ 0.50% · 4.625%
HK$22,427
+HK$1,123/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,608/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,802
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,480
−HK$689/mo
Today · 4.125%
HK$23,169
baseline
▲ 0.50% · 4.625%
HK$24,579
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,338/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,254
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,905
−HK$660/mo
Today · 4.125%
HK$25,565
baseline
▲ 0.50% · 4.625%
HK$26,912
+HK$1,347/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,130/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,435
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,227
−HK$803/mo
Today · 4.125%
HK$27,030
baseline
▲ 0.50% · 4.625%
HK$28,675
+HK$1,645/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,060/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,297
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,056
−HK$769/mo
Today · 4.125%
HK$29,825
baseline
▲ 0.50% · 4.625%
HK$31,398
+HK$1,573/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,650/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,703
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,720
−HK$1,033/mo
Today · 4.125%
HK$34,753
baseline
▲ 0.50% · 4.625%
HK$36,868
+HK$2,115/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,506/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,381
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,357
−HK$990/mo
Today · 4.125%
HK$38,347
baseline
▲ 0.50% · 4.625%
HK$40,368
+HK$2,021/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,694/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,028 · 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).