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$18,163
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,728
−HK$574/mo
Today · 4.125%
HK$19,302
baseline
▲ 0.50% · 4.625%
HK$20,477
+HK$1,175/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,604/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,206
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,748
−HK$550/mo
Today · 4.125%
HK$21,298
baseline
▲ 0.50% · 4.625%
HK$22,421
+HK$1,123/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,596/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,796
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,474
−HK$689/mo
Today · 4.125%
HK$23,163
baseline
▲ 0.50% · 4.625%
HK$24,572
+HK$1,409/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,326/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$238,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,248
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,898
−HK$660/mo
Today · 4.125%
HK$25,558
baseline
▲ 0.50% · 4.625%
HK$26,905
+HK$1,347/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,116/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$238,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,429
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,220
−HK$803/mo
Today · 4.125%
HK$27,023
baseline
▲ 0.50% · 4.625%
HK$28,667
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,046/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,289
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,048
−HK$769/mo
Today · 4.125%
HK$29,817
baseline
▲ 0.50% · 4.625%
HK$31,389
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,634/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,694
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,711
−HK$1,033/mo
Today · 4.125%
HK$34,744
baseline
▲ 0.50% · 4.625%
HK$36,858
+HK$2,114/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,488/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,372
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,347
−HK$990/mo
Today · 4.125%
HK$38,337
baseline
▲ 0.50% · 4.625%
HK$40,357
+HK$2,020/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,674/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,964 · 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).