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$18,330
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,900
−HK$579/mo
Today · 4.125%
HK$19,479
baseline
▲ 0.50% · 4.625%
HK$20,664
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,958/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,392
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,938
−HK$555/mo
Today · 4.125%
HK$21,493
baseline
▲ 0.50% · 4.625%
HK$22,626
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,986/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,996
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,680
−HK$695/mo
Today · 4.125%
HK$23,375
baseline
▲ 0.50% · 4.625%
HK$24,797
+HK$1,422/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$46,750/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,470
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,126
−HK$666/mo
Today · 4.125%
HK$25,792
baseline
▲ 0.50% · 4.625%
HK$27,151
+HK$1,359/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$51,584/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,662
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,460
−HK$811/mo
Today · 4.125%
HK$27,271
baseline
▲ 0.50% · 4.625%
HK$28,930
+HK$1,659/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,542/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,548
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,314
−HK$777/mo
Today · 4.125%
HK$30,091
baseline
▲ 0.50% · 4.625%
HK$31,677
+HK$1,586/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,182/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,993
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,020
−HK$1,042/mo
Today · 4.125%
HK$35,062
baseline
▲ 0.50% · 4.625%
HK$37,196
+HK$2,134/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$70,124/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,705
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,689
−HK$999/mo
Today · 4.125%
HK$38,688
baseline
▲ 0.50% · 4.625%
HK$40,727
+HK$2,039/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$77,376/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,153 · 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).