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$18,191
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,757
−HK$575/mo
Today · 4.125%
HK$19,332
baseline
▲ 0.50% · 4.625%
HK$20,508
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,664/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,237
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,780
−HK$551/mo
Today · 4.125%
HK$21,331
baseline
▲ 0.50% · 4.625%
HK$22,455
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,662/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,829
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,508
−HK$690/mo
Today · 4.125%
HK$23,198
baseline
▲ 0.50% · 4.625%
HK$24,610
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,396/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,285
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,936
−HK$661/mo
Today · 4.125%
HK$25,597
baseline
▲ 0.50% · 4.625%
HK$26,946
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,194/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,467
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,260
−HK$804/mo
Today · 4.125%
HK$27,064
baseline
▲ 0.50% · 4.625%
HK$28,711
+HK$1,647/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,128/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,332
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,092
−HK$771/mo
Today · 4.125%
HK$29,863
baseline
▲ 0.50% · 4.625%
HK$31,437
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,726/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,744
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,762
−HK$1,035/mo
Today · 4.125%
HK$34,797
baseline
▲ 0.50% · 4.625%
HK$36,915
+HK$2,118/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,594/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,427
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,404
−HK$991/mo
Today · 4.125%
HK$38,395
baseline
▲ 0.50% · 4.625%
HK$40,419
+HK$2,024/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,790/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,329 · 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).