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$18,910
−HK$579/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$241,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,402
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,950
−HK$555/mo
Today · 4.125%
HK$21,505
baseline
▲ 0.50% · 4.625%
HK$22,638
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,010/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,007
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,692
−HK$695/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$241,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,483
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,139
−HK$667/mo
Today · 4.125%
HK$25,806
baseline
▲ 0.50% · 4.625%
HK$27,166
+HK$1,360/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,612/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,675
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,474
−HK$811/mo
Today · 4.125%
HK$27,285
baseline
▲ 0.50% · 4.625%
HK$28,945
+HK$1,660/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,570/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,563
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,329
−HK$778/mo
Today · 4.125%
HK$30,107
baseline
▲ 0.50% · 4.625%
HK$31,693
+HK$1,586/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,214/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,011
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,038
−HK$1,043/mo
Today · 4.125%
HK$35,081
baseline
▲ 0.50% · 4.625%
HK$37,216
+HK$2,135/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$70,162/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,724
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,709
−HK$999/mo
Today · 4.125%
HK$38,708
baseline
▲ 0.50% · 4.625%
HK$40,749
+HK$2,041/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$77,416/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,281 · 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).