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$18,212
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,779
−HK$576/mo
Today · 4.125%
HK$19,355
baseline
▲ 0.50% · 4.625%
HK$20,532
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,710/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,261
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,805
−HK$551/mo
Today · 4.125%
HK$21,356
baseline
▲ 0.50% · 4.625%
HK$22,482
+HK$1,126/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,712/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,855
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,535
−HK$690/mo
Today · 4.125%
HK$23,225
baseline
▲ 0.50% · 4.625%
HK$24,639
+HK$1,414/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,450/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,313
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,966
−HK$661/mo
Today · 4.125%
HK$25,627
baseline
▲ 0.50% · 4.625%
HK$26,978
+HK$1,351/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,254/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,497
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,291
−HK$805/mo
Today · 4.125%
HK$27,096
baseline
▲ 0.50% · 4.625%
HK$28,745
+HK$1,649/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,192/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,366
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,126
−HK$772/mo
Today · 4.125%
HK$29,898
baseline
▲ 0.50% · 4.625%
HK$31,474
+HK$1,576/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,796/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,782
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,802
−HK$1,036/mo
Today · 4.125%
HK$34,838
baseline
▲ 0.50% · 4.625%
HK$36,958
+HK$2,120/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,676/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,470
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$37,448
−HK$993/mo
Today · 4.125%
HK$38,441
baseline
▲ 0.50% · 4.625%
HK$40,467
+HK$2,026/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,882/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,611 · 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).