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$18,144
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,708
−HK$573/mo
Today · 4.125%
HK$19,281
baseline
▲ 0.50% · 4.625%
HK$20,455
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,562/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,184
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,726
−HK$549/mo
Today · 4.125%
HK$21,275
baseline
▲ 0.50% · 4.625%
HK$22,396
+HK$1,121/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,550/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,772
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,449
−HK$689/mo
Today · 4.125%
HK$23,138
baseline
▲ 0.50% · 4.625%
HK$24,545
+HK$1,407/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,276/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,221
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,871
−HK$659/mo
Today · 4.125%
HK$25,530
baseline
▲ 0.50% · 4.625%
HK$26,876
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,060/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,401
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,191
−HK$803/mo
Today · 4.125%
HK$26,994
baseline
▲ 0.50% · 4.625%
HK$28,636
+HK$1,642/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,988/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,258
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,016
−HK$769/mo
Today · 4.125%
HK$29,785
baseline
▲ 0.50% · 4.625%
HK$31,355
+HK$1,570/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,570/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,658
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,674
−HK$1,032/mo
Today · 4.125%
HK$34,706
baseline
▲ 0.50% · 4.625%
HK$36,818
+HK$2,112/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,412/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,332
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,306
−HK$989/mo
Today · 4.125%
HK$38,295
baseline
▲ 0.50% · 4.625%
HK$40,314
+HK$2,019/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,590/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,704 · 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).