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$18,330
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,900
−HK$580/mo
Today · 4.125%
HK$19,480
baseline
▲ 0.50% · 4.625%
HK$20,665
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,960/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,392
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,939
−HK$555/mo
Today · 4.125%
HK$21,494
baseline
▲ 0.50% · 4.625%
HK$22,627
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,988/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,996
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,681
−HK$695/mo
Today · 4.125%
HK$23,376
baseline
▲ 0.50% · 4.625%
HK$24,798
+HK$1,422/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$46,752/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,471
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,127
−HK$666/mo
Today · 4.125%
HK$25,793
baseline
▲ 0.50% · 4.625%
HK$27,152
+HK$1,359/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$51,586/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,662
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,461
−HK$811/mo
Today · 4.125%
HK$27,272
baseline
▲ 0.50% · 4.625%
HK$28,931
+HK$1,659/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,544/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,549
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,315
−HK$777/mo
Today · 4.125%
HK$30,092
baseline
▲ 0.50% · 4.625%
HK$31,678
+HK$1,586/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,184/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,994
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,021
−HK$1,042/mo
Today · 4.125%
HK$35,063
baseline
▲ 0.50% · 4.625%
HK$37,197
+HK$2,134/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$70,126/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,706
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,690
−HK$999/mo
Today · 4.125%
HK$38,689
baseline
▲ 0.50% · 4.625%
HK$40,728
+HK$2,039/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$77,378/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,161 · 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).