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$18,341
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,911
−HK$580/mo
Today · 4.125%
HK$19,491
baseline
▲ 0.50% · 4.625%
HK$20,677
+HK$1,186/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,982/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,404
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,951
−HK$555/mo
Today · 4.125%
HK$21,506
baseline
▲ 0.50% · 4.625%
HK$22,640
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,012/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,009
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,693
−HK$696/mo
Today · 4.125%
HK$23,389
baseline
▲ 0.50% · 4.625%
HK$24,812
+HK$1,423/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,778/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,485
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,141
−HK$666/mo
Today · 4.125%
HK$25,807
baseline
▲ 0.50% · 4.625%
HK$27,168
+HK$1,361/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,614/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,677
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,476
−HK$811/mo
Today · 4.125%
HK$27,287
baseline
▲ 0.50% · 4.625%
HK$28,947
+HK$1,660/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,574/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,565
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,331
−HK$778/mo
Today · 4.125%
HK$30,109
baseline
▲ 0.50% · 4.625%
HK$31,696
+HK$1,587/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,218/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,013
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,040
−HK$1,043/mo
Today · 4.125%
HK$35,083
baseline
▲ 0.50% · 4.625%
HK$37,218
+HK$2,135/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$70,166/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,727
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,712
−HK$999/mo
Today · 4.125%
HK$38,711
baseline
▲ 0.50% · 4.625%
HK$40,752
+HK$2,041/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$77,422/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,297 · 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).