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$18,194
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,760
−HK$575/mo
Today · 4.125%
HK$19,335
baseline
▲ 0.50% · 4.625%
HK$20,512
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,670/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,241
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,784
−HK$551/mo
Today · 4.125%
HK$21,335
baseline
▲ 0.50% · 4.625%
HK$22,459
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,670/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,833
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,512
−HK$690/mo
Today · 4.125%
HK$23,202
baseline
▲ 0.50% · 4.625%
HK$24,614
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,404/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,289
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,941
−HK$661/mo
Today · 4.125%
HK$25,602
baseline
▲ 0.50% · 4.625%
HK$26,951
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,204/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,472
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,265
−HK$805/mo
Today · 4.125%
HK$27,070
baseline
▲ 0.50% · 4.625%
HK$28,717
+HK$1,647/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$54,140/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,338
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,098
−HK$771/mo
Today · 4.125%
HK$29,869
baseline
▲ 0.50% · 4.625%
HK$31,443
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$59,738/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,750
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,769
−HK$1,035/mo
Today · 4.125%
HK$34,804
baseline
▲ 0.50% · 4.625%
HK$36,921
+HK$2,117/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,608/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,434
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,411
−HK$991/mo
Today · 4.125%
HK$38,402
baseline
▲ 0.50% · 4.625%
HK$40,427
+HK$2,025/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,804/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,374 · 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).