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$18,333
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,904
−HK$579/mo
Today · 4.125%
HK$19,483
baseline
▲ 0.50% · 4.625%
HK$20,669
+HK$1,186/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,966/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,396
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,943
−HK$555/mo
Today · 4.125%
HK$21,498
baseline
▲ 0.50% · 4.625%
HK$22,631
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,996/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,000
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,684
−HK$696/mo
Today · 4.125%
HK$23,380
baseline
▲ 0.50% · 4.625%
HK$24,802
+HK$1,422/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$46,760/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,475
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,131
−HK$666/mo
Today · 4.125%
HK$25,797
baseline
▲ 0.50% · 4.625%
HK$27,157
+HK$1,360/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$51,594/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,667
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,465
−HK$811/mo
Today · 4.125%
HK$27,276
baseline
▲ 0.50% · 4.625%
HK$28,936
+HK$1,660/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,552/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,554
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,320
−HK$777/mo
Today · 4.125%
HK$30,097
baseline
▲ 0.50% · 4.625%
HK$31,683
+HK$1,586/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,194/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,000
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,027
−HK$1,043/mo
Today · 4.125%
HK$35,070
baseline
▲ 0.50% · 4.625%
HK$37,203
+HK$2,133/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$70,140/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,712
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,697
−HK$999/mo
Today · 4.125%
HK$38,696
baseline
▲ 0.50% · 4.625%
HK$40,735
+HK$2,039/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$77,392/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,202 · 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).