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$18,147
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,711
−HK$574/mo
Today · 4.125%
HK$19,285
baseline
▲ 0.50% · 4.625%
HK$20,458
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,570/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,188
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,729
−HK$550/mo
Today · 4.125%
HK$21,279
baseline
▲ 0.50% · 4.625%
HK$22,400
+HK$1,121/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,558/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,776
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,453
−HK$689/mo
Today · 4.125%
HK$23,142
baseline
▲ 0.50% · 4.625%
HK$24,550
+HK$1,408/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,284/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,226
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,875
−HK$659/mo
Today · 4.125%
HK$25,534
baseline
▲ 0.50% · 4.625%
HK$26,880
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,068/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,405
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,196
−HK$803/mo
Today · 4.125%
HK$26,999
baseline
▲ 0.50% · 4.625%
HK$28,641
+HK$1,642/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,998/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,263
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,021
−HK$769/mo
Today · 4.125%
HK$29,790
baseline
▲ 0.50% · 4.625%
HK$31,361
+HK$1,571/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,580/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,664
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,680
−HK$1,032/mo
Today · 4.125%
HK$34,712
baseline
▲ 0.50% · 4.625%
HK$36,825
+HK$2,113/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,424/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,338
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,313
−HK$989/mo
Today · 4.125%
HK$38,302
baseline
▲ 0.50% · 4.625%
HK$40,321
+HK$2,019/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,604/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,746 · 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).