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$18,149
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,713
−HK$574/mo
Today · 4.125%
HK$19,287
baseline
▲ 0.50% · 4.625%
HK$20,461
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,574/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,190
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,732
−HK$549/mo
Today · 4.125%
HK$21,281
baseline
▲ 0.50% · 4.625%
HK$22,403
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,562/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,779
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,456
−HK$688/mo
Today · 4.125%
HK$23,144
baseline
▲ 0.50% · 4.625%
HK$24,553
+HK$1,409/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$46,288/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,229
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,878
−HK$660/mo
Today · 4.125%
HK$25,538
baseline
▲ 0.50% · 4.625%
HK$26,884
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$51,076/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,408
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,199
−HK$803/mo
Today · 4.125%
HK$27,002
baseline
▲ 0.50% · 4.625%
HK$28,645
+HK$1,643/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,004/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,267
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,025
−HK$769/mo
Today · 4.125%
HK$29,794
baseline
▲ 0.50% · 4.625%
HK$31,364
+HK$1,570/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,588/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,668
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,684
−HK$1,033/mo
Today · 4.125%
HK$34,717
baseline
▲ 0.50% · 4.625%
HK$36,829
+HK$2,112/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,434/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,343
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,318
−HK$988/mo
Today · 4.125%
HK$38,306
baseline
▲ 0.50% · 4.625%
HK$40,326
+HK$2,020/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,612/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,775 · 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).