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$18,334
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,904
−HK$579/mo
Today · 4.125%
HK$19,483
baseline
▲ 0.50% · 4.625%
HK$20,669
+HK$1,186/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,966/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,396
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,943
−HK$555/mo
Today · 4.125%
HK$21,498
baseline
▲ 0.50% · 4.625%
HK$22,631
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,996/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,001
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,685
−HK$695/mo
Today · 4.125%
HK$23,380
baseline
▲ 0.50% · 4.625%
HK$24,803
+HK$1,423/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$46,760/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,475
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,132
−HK$666/mo
Today · 4.125%
HK$25,798
baseline
▲ 0.50% · 4.625%
HK$27,158
+HK$1,360/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$51,596/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,667
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,466
−HK$811/mo
Today · 4.125%
HK$27,277
baseline
▲ 0.50% · 4.625%
HK$28,937
+HK$1,660/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,554/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,555
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,320
−HK$777/mo
Today · 4.125%
HK$30,097
baseline
▲ 0.50% · 4.625%
HK$31,684
+HK$1,587/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,194/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,001
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,027
−HK$1,043/mo
Today · 4.125%
HK$35,070
baseline
▲ 0.50% · 4.625%
HK$37,204
+HK$2,134/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$70,140/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,713
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,698
−HK$999/mo
Today · 4.125%
HK$38,697
baseline
▲ 0.50% · 4.625%
HK$40,736
+HK$2,039/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$77,394/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,207 · 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).