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$18,320
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,890
−HK$579/mo
Today · 4.125%
HK$19,469
baseline
▲ 0.50% · 4.625%
HK$20,653
+HK$1,184/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,938/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,381
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,927
−HK$555/mo
Today · 4.125%
HK$21,482
baseline
▲ 0.50% · 4.625%
HK$22,614
+HK$1,132/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,964/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,984
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,668
−HK$694/mo
Today · 4.125%
HK$23,362
baseline
▲ 0.50% · 4.625%
HK$24,784
+HK$1,422/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,724/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$241,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,457
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,113
−HK$665/mo
Today · 4.125%
HK$25,778
baseline
▲ 0.50% · 4.625%
HK$27,137
+HK$1,359/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,556/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$241,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,648
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,445
−HK$811/mo
Today · 4.125%
HK$27,256
baseline
▲ 0.50% · 4.625%
HK$28,914
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,512/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,533
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,298
−HK$776/mo
Today · 4.125%
HK$30,074
baseline
▲ 0.50% · 4.625%
HK$31,660
+HK$1,586/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,148/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,976
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$34,001
−HK$1,042/mo
Today · 4.125%
HK$35,043
baseline
▲ 0.50% · 4.625%
HK$37,176
+HK$2,133/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,086/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,685
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,669
−HK$998/mo
Today · 4.125%
HK$38,667
baseline
▲ 0.50% · 4.625%
HK$40,705
+HK$2,038/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,334/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,023 · 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).