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$18,217
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,784
−HK$576/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$239,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,267
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,810
−HK$552/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$239,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,861
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,541
−HK$691/mo
Today · 4.125%
HK$23,232
baseline
▲ 0.50% · 4.625%
HK$24,645
+HK$1,413/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$46,464/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,320
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,972
−HK$662/mo
Today · 4.125%
HK$25,634
baseline
▲ 0.50% · 4.625%
HK$26,985
+HK$1,351/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$51,268/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,504
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,298
−HK$806/mo
Today · 4.125%
HK$27,104
baseline
▲ 0.50% · 4.625%
HK$28,753
+HK$1,649/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,208/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,373
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,134
−HK$772/mo
Today · 4.125%
HK$29,906
baseline
▲ 0.50% · 4.625%
HK$31,483
+HK$1,577/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,812/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,791
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$33,811
−HK$1,037/mo
Today · 4.125%
HK$34,848
baseline
▲ 0.50% · 4.625%
HK$36,968
+HK$2,120/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,696/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,480
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,458
−HK$993/mo
Today · 4.125%
HK$38,451
baseline
▲ 0.50% · 4.625%
HK$40,478
+HK$2,027/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,902/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,676 · 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).