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$18,129
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,693
−HK$573/mo
Today · 4.125%
HK$19,266
baseline
▲ 0.50% · 4.625%
HK$20,438
+HK$1,172/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,532/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,168
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,709
−HK$549/mo
Today · 4.125%
HK$21,258
baseline
▲ 0.50% · 4.625%
HK$22,378
+HK$1,120/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,516/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,754
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,431
−HK$688/mo
Today · 4.125%
HK$23,119
baseline
▲ 0.50% · 4.625%
HK$24,525
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,238/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,202
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,851
−HK$658/mo
Today · 4.125%
HK$25,509
baseline
▲ 0.50% · 4.625%
HK$26,854
+HK$1,345/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,018/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,380
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,170
−HK$802/mo
Today · 4.125%
HK$26,972
baseline
▲ 0.50% · 4.625%
HK$28,613
+HK$1,641/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,944/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,235
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,992
−HK$769/mo
Today · 4.125%
HK$29,761
baseline
▲ 0.50% · 4.625%
HK$31,329
+HK$1,568/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,522/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,632
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,647
−HK$1,031/mo
Today · 4.125%
HK$34,678
baseline
▲ 0.50% · 4.625%
HK$36,788
+HK$2,110/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$69,356/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,302
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,276
−HK$988/mo
Today · 4.125%
HK$38,264
baseline
▲ 0.50% · 4.625%
HK$40,281
+HK$2,017/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$76,528/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,509 · 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).