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$18,326
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,897
−HK$579/mo
Today · 4.125%
HK$19,476
baseline
▲ 0.50% · 4.625%
HK$20,661
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,952/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,388
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,935
−HK$554/mo
Today · 4.125%
HK$21,489
baseline
▲ 0.50% · 4.625%
HK$22,622
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,978/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,992
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,676
−HK$695/mo
Today · 4.125%
HK$23,371
baseline
▲ 0.50% · 4.625%
HK$24,793
+HK$1,422/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,742/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,466
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,122
−HK$665/mo
Today · 4.125%
HK$25,787
baseline
▲ 0.50% · 4.625%
HK$27,147
+HK$1,360/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,574/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,657
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,455
−HK$811/mo
Today · 4.125%
HK$27,266
baseline
▲ 0.50% · 4.625%
HK$28,925
+HK$1,659/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,532/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,543
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,309
−HK$776/mo
Today · 4.125%
HK$30,085
baseline
▲ 0.50% · 4.625%
HK$31,671
+HK$1,586/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,170/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,988
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,014
−HK$1,042/mo
Today · 4.125%
HK$35,056
baseline
▲ 0.50% · 4.625%
HK$37,189
+HK$2,133/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$70,112/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,698
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,683
−HK$998/mo
Today · 4.125%
HK$38,681
baseline
▲ 0.50% · 4.625%
HK$40,720
+HK$2,039/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$77,362/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,111 · 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).