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$18,323
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,893
−HK$579/mo
Today · 4.125%
HK$19,472
baseline
▲ 0.50% · 4.625%
HK$20,657
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,944/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,384
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,931
−HK$555/mo
Today · 4.125%
HK$21,486
baseline
▲ 0.50% · 4.625%
HK$22,618
+HK$1,132/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,972/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,988
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,672
−HK$695/mo
Today · 4.125%
HK$23,367
baseline
▲ 0.50% · 4.625%
HK$24,789
+HK$1,422/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,734/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,461
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,117
−HK$666/mo
Today · 4.125%
HK$25,783
baseline
▲ 0.50% · 4.625%
HK$27,142
+HK$1,359/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,566/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,653
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,451
−HK$810/mo
Today · 4.125%
HK$27,261
baseline
▲ 0.50% · 4.625%
HK$28,920
+HK$1,659/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,522/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,538
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,304
−HK$776/mo
Today · 4.125%
HK$30,080
baseline
▲ 0.50% · 4.625%
HK$31,666
+HK$1,586/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,160/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,982
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,008
−HK$1,042/mo
Today · 4.125%
HK$35,050
baseline
▲ 0.50% · 4.625%
HK$37,183
+HK$2,133/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$70,100/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,692
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,676
−HK$998/mo
Today · 4.125%
HK$38,674
baseline
▲ 0.50% · 4.625%
HK$40,713
+HK$2,039/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$77,348/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,069 · 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).