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$18,340
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,910
−HK$580/mo
Today · 4.125%
HK$19,490
baseline
▲ 0.50% · 4.625%
HK$20,676
+HK$1,186/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,980/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,403
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,950
−HK$555/mo
Today · 4.125%
HK$21,505
baseline
▲ 0.50% · 4.625%
HK$22,639
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,010/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,008
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,692
−HK$696/mo
Today · 4.125%
HK$23,388
baseline
▲ 0.50% · 4.625%
HK$24,811
+HK$1,423/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,776/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,484
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,140
−HK$666/mo
Today · 4.125%
HK$25,806
baseline
▲ 0.50% · 4.625%
HK$27,167
+HK$1,361/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,612/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,676
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,475
−HK$811/mo
Today · 4.125%
HK$27,286
baseline
▲ 0.50% · 4.625%
HK$28,946
+HK$1,660/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,572/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,564
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,330
−HK$777/mo
Today · 4.125%
HK$30,107
baseline
▲ 0.50% · 4.625%
HK$31,694
+HK$1,587/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,214/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,012
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,039
−HK$1,043/mo
Today · 4.125%
HK$35,082
baseline
▲ 0.50% · 4.625%
HK$37,217
+HK$2,135/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$70,164/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,725
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,710
−HK$1,000/mo
Today · 4.125%
HK$38,710
baseline
▲ 0.50% · 4.625%
HK$40,750
+HK$2,040/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$77,420/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,288 · 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).