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$18,907
−HK$580/mo
Today · 4.125%
HK$19,487
baseline
▲ 0.50% · 4.625%
HK$20,672
+HK$1,185/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$241,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,399
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,947
−HK$555/mo
Today · 4.125%
HK$21,502
baseline
▲ 0.50% · 4.625%
HK$22,635
+HK$1,133/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$241,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,004
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,689
−HK$695/mo
Today · 4.125%
HK$23,384
baseline
▲ 0.50% · 4.625%
HK$24,807
+HK$1,423/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$46,768/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,479
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,136
−HK$666/mo
Today · 4.125%
HK$25,802
baseline
▲ 0.50% · 4.625%
HK$27,162
+HK$1,360/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$51,604/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,671
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,470
−HK$811/mo
Today · 4.125%
HK$27,281
baseline
▲ 0.50% · 4.625%
HK$28,941
+HK$1,660/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,562/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,559
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,325
−HK$777/mo
Today · 4.125%
HK$30,102
baseline
▲ 0.50% · 4.625%
HK$31,689
+HK$1,587/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,204/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,006
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,033
−HK$1,043/mo
Today · 4.125%
HK$35,076
baseline
▲ 0.50% · 4.625%
HK$37,210
+HK$2,134/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$70,152/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,719
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,704
−HK$999/mo
Today · 4.125%
HK$38,703
baseline
▲ 0.50% · 4.625%
HK$40,743
+HK$2,040/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$77,406/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,246 · 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).