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$18,335
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,905
−HK$580/mo
Today · 4.125%
HK$19,485
baseline
▲ 0.50% · 4.625%
HK$20,670
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,970/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,397
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,945
−HK$554/mo
Today · 4.125%
HK$21,499
baseline
▲ 0.50% · 4.625%
HK$22,633
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,998/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,002
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,686
−HK$696/mo
Today · 4.125%
HK$23,382
baseline
▲ 0.50% · 4.625%
HK$24,804
+HK$1,422/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$46,764/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,477
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,133
−HK$666/mo
Today · 4.125%
HK$25,799
baseline
▲ 0.50% · 4.625%
HK$27,159
+HK$1,360/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$51,598/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,669
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,467
−HK$812/mo
Today · 4.125%
HK$27,279
baseline
▲ 0.50% · 4.625%
HK$28,938
+HK$1,659/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,558/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,556
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,322
−HK$777/mo
Today · 4.125%
HK$30,099
baseline
▲ 0.50% · 4.625%
HK$31,686
+HK$1,587/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,198/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,003
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,030
−HK$1,043/mo
Today · 4.125%
HK$35,073
baseline
▲ 0.50% · 4.625%
HK$37,207
+HK$2,134/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$70,146/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,715
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,700
−HK$999/mo
Today · 4.125%
HK$38,699
baseline
▲ 0.50% · 4.625%
HK$40,739
+HK$2,040/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$77,398/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,223 · 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).