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$18,337
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,908
−HK$579/mo
Today · 4.125%
HK$19,487
baseline
▲ 0.50% · 4.625%
HK$20,673
+HK$1,186/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,974/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,400
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,947
−HK$555/mo
Today · 4.125%
HK$21,502
baseline
▲ 0.50% · 4.625%
HK$22,636
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,004/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,005
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,689
−HK$696/mo
Today · 4.125%
HK$23,385
baseline
▲ 0.50% · 4.625%
HK$24,807
+HK$1,422/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,770/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,480
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,137
−HK$666/mo
Today · 4.125%
HK$25,803
baseline
▲ 0.50% · 4.625%
HK$27,163
+HK$1,360/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,606/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,672
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,471
−HK$811/mo
Today · 4.125%
HK$27,282
baseline
▲ 0.50% · 4.625%
HK$28,942
+HK$1,660/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,564/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,560
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,326
−HK$777/mo
Today · 4.125%
HK$30,103
baseline
▲ 0.50% · 4.625%
HK$31,690
+HK$1,587/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,206/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,007
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,034
−HK$1,043/mo
Today · 4.125%
HK$35,077
baseline
▲ 0.50% · 4.625%
HK$37,211
+HK$2,134/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$70,154/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,720
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,705
−HK$999/mo
Today · 4.125%
HK$38,704
baseline
▲ 0.50% · 4.625%
HK$40,744
+HK$2,040/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$77,408/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,253 · 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).