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$18,345
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,916
−HK$580/mo
Today · 4.125%
HK$19,496
baseline
▲ 0.50% · 4.625%
HK$20,682
+HK$1,186/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,992/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,409
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,957
−HK$555/mo
Today · 4.125%
HK$21,512
baseline
▲ 0.50% · 4.625%
HK$22,646
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,024/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,015
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,699
−HK$696/mo
Today · 4.125%
HK$23,395
baseline
▲ 0.50% · 4.625%
HK$24,819
+HK$1,424/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,790/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,491
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,148
−HK$666/mo
Today · 4.125%
HK$25,814
baseline
▲ 0.50% · 4.625%
HK$27,175
+HK$1,361/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,628/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,684
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,483
−HK$811/mo
Today · 4.125%
HK$27,294
baseline
▲ 0.50% · 4.625%
HK$28,955
+HK$1,661/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,588/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,573
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,339
−HK$778/mo
Today · 4.125%
HK$30,117
baseline
▲ 0.50% · 4.625%
HK$31,704
+HK$1,587/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,234/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,022
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,049
−HK$1,044/mo
Today · 4.125%
HK$35,093
baseline
▲ 0.50% · 4.625%
HK$37,228
+HK$2,135/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$70,186/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,737
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,722
−HK$999/mo
Today · 4.125%
HK$38,721
baseline
▲ 0.50% · 4.625%
HK$40,762
+HK$2,041/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$77,442/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,361 · 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).