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$1,142/mo
▼ 0.25% · 3.875%
HK$18,784
−HK$575/mo
Today · 4.125%
HK$19,359
baseline
▲ 0.50% · 4.625%
HK$20,537
+HK$1,178/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,718/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,266
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,810
−HK$551/mo
Today · 4.125%
HK$21,361
baseline
▲ 0.50% · 4.625%
HK$22,487
+HK$1,126/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,722/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,860
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,540
−HK$691/mo
Today · 4.125%
HK$23,231
baseline
▲ 0.50% · 4.625%
HK$24,645
+HK$1,414/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$46,462/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,320
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,972
−HK$661/mo
Today · 4.125%
HK$25,633
baseline
▲ 0.50% · 4.625%
HK$26,985
+HK$1,352/mo
Deposit HK$3.20M · loan HK$4.79M · min. income ≈ HK$51,266/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$239,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,504
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,297
−HK$806/mo
Today · 4.125%
HK$27,103
baseline
▲ 0.50% · 4.625%
HK$28,752
+HK$1,649/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,206/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,672 · 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$31,482
+HK$1,576/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$239,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,791
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,811
−HK$1,036/mo
Today · 4.125%
HK$34,847
baseline
▲ 0.50% · 4.625%
HK$36,967
+HK$2,120/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,694/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,479
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,458
−HK$992/mo
Today · 4.125%
HK$38,450
baseline
▲ 0.50% · 4.625%
HK$40,477
+HK$2,027/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,900/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,672 · 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).