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$18,156
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,721
−HK$574/mo
Today · 4.125%
HK$19,295
baseline
▲ 0.50% · 4.625%
HK$20,469
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,590/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,199
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,741
−HK$549/mo
Today · 4.125%
HK$21,290
baseline
▲ 0.50% · 4.625%
HK$22,412
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,580/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,788
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,465
−HK$689/mo
Today · 4.125%
HK$23,154
baseline
▲ 0.50% · 4.625%
HK$24,563
+HK$1,409/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$46,308/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,239
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,889
−HK$659/mo
Today · 4.125%
HK$25,548
baseline
▲ 0.50% · 4.625%
HK$26,895
+HK$1,347/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$51,096/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,419
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,210
−HK$803/mo
Today · 4.125%
HK$27,013
baseline
▲ 0.50% · 4.625%
HK$28,657
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,026/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,278
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,037
−HK$769/mo
Today · 4.125%
HK$29,806
baseline
▲ 0.50% · 4.625%
HK$31,377
+HK$1,571/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,612/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,682
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,698
−HK$1,033/mo
Today · 4.125%
HK$34,731
baseline
▲ 0.50% · 4.625%
HK$36,844
+HK$2,113/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$69,462/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,358
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,333
−HK$989/mo
Today · 4.125%
HK$38,322
baseline
▲ 0.50% · 4.625%
HK$40,342
+HK$2,020/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$76,644/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,874 · 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).