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$18,140
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,704
−HK$574/mo
Today · 4.125%
HK$19,278
baseline
▲ 0.50% · 4.625%
HK$20,451
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,556/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,181
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,722
−HK$549/mo
Today · 4.125%
HK$21,271
baseline
▲ 0.50% · 4.625%
HK$22,392
+HK$1,121/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,542/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,768
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,445
−HK$688/mo
Today · 4.125%
HK$23,133
baseline
▲ 0.50% · 4.625%
HK$24,541
+HK$1,408/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,266/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,217
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,866
−HK$659/mo
Today · 4.125%
HK$25,525
baseline
▲ 0.50% · 4.625%
HK$26,871
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,050/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,396
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,186
−HK$803/mo
Today · 4.125%
HK$26,989
baseline
▲ 0.50% · 4.625%
HK$28,631
+HK$1,642/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,978/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,253
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,011
−HK$769/mo
Today · 4.125%
HK$29,780
baseline
▲ 0.50% · 4.625%
HK$31,349
+HK$1,569/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,560/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,652
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,668
−HK$1,032/mo
Today · 4.125%
HK$34,700
baseline
▲ 0.50% · 4.625%
HK$36,811
+HK$2,111/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,400/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,325
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,300
−HK$988/mo
Today · 4.125%
HK$38,288
baseline
▲ 0.50% · 4.625%
HK$40,306
+HK$2,018/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,576/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,660 · 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).