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$18,344
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,914
−HK$580/mo
Today · 4.125%
HK$19,494
baseline
▲ 0.50% · 4.625%
HK$20,680
+HK$1,186/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,988/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,407
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,954
−HK$556/mo
Today · 4.125%
HK$21,510
baseline
▲ 0.50% · 4.625%
HK$22,643
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,020/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,012
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,697
−HK$696/mo
Today · 4.125%
HK$23,393
baseline
▲ 0.50% · 4.625%
HK$24,816
+HK$1,423/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,786/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,488
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,145
−HK$667/mo
Today · 4.125%
HK$25,812
baseline
▲ 0.50% · 4.625%
HK$27,172
+HK$1,360/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,624/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,681
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,480
−HK$811/mo
Today · 4.125%
HK$27,291
baseline
▲ 0.50% · 4.625%
HK$28,952
+HK$1,661/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,582/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,570
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,336
−HK$777/mo
Today · 4.125%
HK$30,113
baseline
▲ 0.50% · 4.625%
HK$31,701
+HK$1,588/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,226/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,018
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,046
−HK$1,043/mo
Today · 4.125%
HK$35,089
baseline
▲ 0.50% · 4.625%
HK$37,224
+HK$2,135/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$70,178/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,733
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,718
−HK$999/mo
Today · 4.125%
HK$38,717
baseline
▲ 0.50% · 4.625%
HK$40,758
+HK$2,041/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$77,434/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,337 · 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).