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$18,218
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,785
−HK$575/mo
Today · 4.125%
HK$19,360
baseline
▲ 0.50% · 4.625%
HK$20,538
+HK$1,178/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,720/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,267
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,811
−HK$551/mo
Today · 4.125%
HK$21,362
baseline
▲ 0.50% · 4.625%
HK$22,488
+HK$1,126/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,724/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,862
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,542
−HK$691/mo
Today · 4.125%
HK$23,233
baseline
▲ 0.50% · 4.625%
HK$24,646
+HK$1,413/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$46,466/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,321
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,973
−HK$662/mo
Today · 4.125%
HK$25,635
baseline
▲ 0.50% · 4.625%
HK$26,986
+HK$1,351/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$51,270/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,505
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,299
−HK$806/mo
Today · 4.125%
HK$27,105
baseline
▲ 0.50% · 4.625%
HK$28,754
+HK$1,649/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,210/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,374
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,135
−HK$772/mo
Today · 4.125%
HK$29,907
baseline
▲ 0.50% · 4.625%
HK$31,484
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,814/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,792
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,812
−HK$1,037/mo
Today · 4.125%
HK$34,849
baseline
▲ 0.50% · 4.625%
HK$36,969
+HK$2,120/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,698/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,481
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,460
−HK$992/mo
Today · 4.125%
HK$38,452
baseline
▲ 0.50% · 4.625%
HK$40,479
+HK$2,027/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,904/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,684 · 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).