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$18,343
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,913
−HK$580/mo
Today · 4.125%
HK$19,493
baseline
▲ 0.50% · 4.625%
HK$20,679
+HK$1,186/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,986/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,406
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,953
−HK$556/mo
Today · 4.125%
HK$21,509
baseline
▲ 0.50% · 4.625%
HK$22,642
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,018/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,011
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,696
−HK$696/mo
Today · 4.125%
HK$23,392
baseline
▲ 0.50% · 4.625%
HK$24,815
+HK$1,423/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,784/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,487
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,144
−HK$666/mo
Today · 4.125%
HK$25,810
baseline
▲ 0.50% · 4.625%
HK$27,171
+HK$1,361/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,620/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,680
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,479
−HK$811/mo
Today · 4.125%
HK$27,290
baseline
▲ 0.50% · 4.625%
HK$28,951
+HK$1,661/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,580/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,569
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,335
−HK$777/mo
Today · 4.125%
HK$30,112
baseline
▲ 0.50% · 4.625%
HK$31,699
+HK$1,587/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,224/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,017
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,044
−HK$1,044/mo
Today · 4.125%
HK$35,088
baseline
▲ 0.50% · 4.625%
HK$37,223
+HK$2,135/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$70,176/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,731
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,716
−HK$1,000/mo
Today · 4.125%
HK$38,716
baseline
▲ 0.50% · 4.625%
HK$40,756
+HK$2,040/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$77,432/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,326 · 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).