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$18,339
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,909
−HK$580/mo
Today · 4.125%
HK$19,489
baseline
▲ 0.50% · 4.625%
HK$20,675
+HK$1,186/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,978/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,402
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,949
−HK$555/mo
Today · 4.125%
HK$21,504
baseline
▲ 0.50% · 4.625%
HK$22,637
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,008/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,007
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,691
−HK$696/mo
Today · 4.125%
HK$23,387
baseline
▲ 0.50% · 4.625%
HK$24,810
+HK$1,423/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,774/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,482
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,139
−HK$666/mo
Today · 4.125%
HK$25,805
baseline
▲ 0.50% · 4.625%
HK$27,165
+HK$1,360/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,610/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,674
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,473
−HK$811/mo
Today · 4.125%
HK$27,284
baseline
▲ 0.50% · 4.625%
HK$28,945
+HK$1,661/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,568/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,562
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,328
−HK$778/mo
Today · 4.125%
HK$30,106
baseline
▲ 0.50% · 4.625%
HK$31,692
+HK$1,586/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,212/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,010
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,037
−HK$1,043/mo
Today · 4.125%
HK$35,080
baseline
▲ 0.50% · 4.625%
HK$37,214
+HK$2,134/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$70,160/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,723
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,708
−HK$999/mo
Today · 4.125%
HK$38,707
baseline
▲ 0.50% · 4.625%
HK$40,747
+HK$2,040/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$77,414/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,273 · 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).