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$18,319
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,889
−HK$579/mo
Today · 4.125%
HK$19,468
baseline
▲ 0.50% · 4.625%
HK$20,652
+HK$1,184/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,936/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,380
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,926
−HK$555/mo
Today · 4.125%
HK$21,481
baseline
▲ 0.50% · 4.625%
HK$22,613
+HK$1,132/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,962/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,983
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,667
−HK$694/mo
Today · 4.125%
HK$23,361
baseline
▲ 0.50% · 4.625%
HK$24,783
+HK$1,422/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,722/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$241,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,456
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,112
−HK$665/mo
Today · 4.125%
HK$25,777
baseline
▲ 0.50% · 4.625%
HK$27,136
+HK$1,359/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,554/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$241,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,647
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,444
−HK$811/mo
Today · 4.125%
HK$27,255
baseline
▲ 0.50% · 4.625%
HK$28,913
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,510/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,532
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,297
−HK$776/mo
Today · 4.125%
HK$30,073
baseline
▲ 0.50% · 4.625%
HK$31,658
+HK$1,585/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,146/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,974
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,000
−HK$1,042/mo
Today · 4.125%
HK$35,042
baseline
▲ 0.50% · 4.625%
HK$37,174
+HK$2,132/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,084/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,684
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,667
−HK$999/mo
Today · 4.125%
HK$38,666
baseline
▲ 0.50% · 4.625%
HK$40,704
+HK$2,038/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,332/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,014 · 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).