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$18,321
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,891
−HK$579/mo
Today · 4.125%
HK$19,470
baseline
▲ 0.50% · 4.625%
HK$20,654
+HK$1,184/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,940/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,382
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,928
−HK$555/mo
Today · 4.125%
HK$21,483
baseline
▲ 0.50% · 4.625%
HK$22,615
+HK$1,132/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,966/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,985
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,669
−HK$695/mo
Today · 4.125%
HK$23,364
baseline
▲ 0.50% · 4.625%
HK$24,785
+HK$1,421/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,728/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$241,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,458
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,114
−HK$665/mo
Today · 4.125%
HK$25,779
baseline
▲ 0.50% · 4.625%
HK$27,138
+HK$1,359/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,558/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$241,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,649
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,447
−HK$811/mo
Today · 4.125%
HK$27,258
baseline
▲ 0.50% · 4.625%
HK$28,916
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,516/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,534
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,300
−HK$776/mo
Today · 4.125%
HK$30,076
baseline
▲ 0.50% · 4.625%
HK$31,661
+HK$1,585/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,152/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,977
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,003
−HK$1,042/mo
Today · 4.125%
HK$35,045
baseline
▲ 0.50% · 4.625%
HK$37,178
+HK$2,133/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,090/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,687
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,671
−HK$998/mo
Today · 4.125%
HK$38,669
baseline
▲ 0.50% · 4.625%
HK$40,707
+HK$2,038/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,338/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,036 · 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).