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$18,331
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,901
−HK$580/mo
Today · 4.125%
HK$19,481
baseline
▲ 0.50% · 4.625%
HK$20,666
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,962/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,393
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,940
−HK$555/mo
Today · 4.125%
HK$21,495
baseline
▲ 0.50% · 4.625%
HK$22,628
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,990/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,997
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,681
−HK$696/mo
Today · 4.125%
HK$23,377
baseline
▲ 0.50% · 4.625%
HK$24,799
+HK$1,422/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$46,754/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,472
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,128
−HK$666/mo
Today · 4.125%
HK$25,794
baseline
▲ 0.50% · 4.625%
HK$27,153
+HK$1,359/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$51,588/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,663
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,462
−HK$811/mo
Today · 4.125%
HK$27,273
baseline
▲ 0.50% · 4.625%
HK$28,932
+HK$1,659/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,546/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,550
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,316
−HK$777/mo
Today · 4.125%
HK$30,093
baseline
▲ 0.50% · 4.625%
HK$31,679
+HK$1,586/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,186/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,996
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,022
−HK$1,043/mo
Today · 4.125%
HK$35,065
baseline
▲ 0.50% · 4.625%
HK$37,199
+HK$2,134/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$70,130/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,707
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,692
−HK$999/mo
Today · 4.125%
HK$38,691
baseline
▲ 0.50% · 4.625%
HK$40,730
+HK$2,039/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$77,382/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,171 · 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).