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$18,327
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,897
−HK$579/mo
Today · 4.125%
HK$19,476
baseline
▲ 0.50% · 4.625%
HK$20,662
+HK$1,186/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,952/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,389
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,936
−HK$554/mo
Today · 4.125%
HK$21,490
baseline
▲ 0.50% · 4.625%
HK$22,623
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,980/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,993
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,677
−HK$695/mo
Today · 4.125%
HK$23,372
baseline
▲ 0.50% · 4.625%
HK$24,794
+HK$1,422/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,744/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,467
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,123
−HK$665/mo
Today · 4.125%
HK$25,788
baseline
▲ 0.50% · 4.625%
HK$27,148
+HK$1,360/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,576/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,658
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,456
−HK$811/mo
Today · 4.125%
HK$27,267
baseline
▲ 0.50% · 4.625%
HK$28,926
+HK$1,659/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,534/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,544
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,310
−HK$776/mo
Today · 4.125%
HK$30,086
baseline
▲ 0.50% · 4.625%
HK$31,672
+HK$1,586/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,172/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,989
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,015
−HK$1,043/mo
Today · 4.125%
HK$35,058
baseline
▲ 0.50% · 4.625%
HK$37,191
+HK$2,133/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$70,116/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,700
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,684
−HK$999/mo
Today · 4.125%
HK$38,683
baseline
▲ 0.50% · 4.625%
HK$40,722
+HK$2,039/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$77,366/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,120 · 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).