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$18,203
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,770
−HK$575/mo
Today · 4.125%
HK$19,345
baseline
▲ 0.50% · 4.625%
HK$20,522
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,690/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,251
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,794
−HK$551/mo
Today · 4.125%
HK$21,345
baseline
▲ 0.50% · 4.625%
HK$22,470
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,690/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,844
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,524
−HK$690/mo
Today · 4.125%
HK$23,214
baseline
▲ 0.50% · 4.625%
HK$24,626
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,428/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,301
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,953
−HK$661/mo
Today · 4.125%
HK$25,614
baseline
▲ 0.50% · 4.625%
HK$26,964
+HK$1,350/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,228/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,485
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,278
−HK$805/mo
Today · 4.125%
HK$27,083
baseline
▲ 0.50% · 4.625%
HK$28,731
+HK$1,648/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$54,166/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,352
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,112
−HK$771/mo
Today · 4.125%
HK$29,883
baseline
▲ 0.50% · 4.625%
HK$31,459
+HK$1,576/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$59,766/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,766
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,785
−HK$1,036/mo
Today · 4.125%
HK$34,821
baseline
▲ 0.50% · 4.625%
HK$36,940
+HK$2,119/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,642/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,452
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,430
−HK$991/mo
Today · 4.125%
HK$38,421
baseline
▲ 0.50% · 4.625%
HK$40,447
+HK$2,026/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,842/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,493 · 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).