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$18,321
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,891
−HK$579/mo
Today · 4.125%
HK$19,470
baseline
▲ 0.50% · 4.625%
HK$20,655
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,940/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,382
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,929
−HK$554/mo
Today · 4.125%
HK$21,483
baseline
▲ 0.50% · 4.625%
HK$22,616
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,966/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,985
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,669
−HK$695/mo
Today · 4.125%
HK$23,364
baseline
▲ 0.50% · 4.625%
HK$24,786
+HK$1,422/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,728/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$241,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,459
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,115
−HK$665/mo
Today · 4.125%
HK$25,780
baseline
▲ 0.50% · 4.625%
HK$27,139
+HK$1,359/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,560/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$241,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,650
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,448
−HK$810/mo
Today · 4.125%
HK$27,258
baseline
▲ 0.50% · 4.625%
HK$28,917
+HK$1,659/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,516/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,535
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,300
−HK$777/mo
Today · 4.125%
HK$30,077
baseline
▲ 0.50% · 4.625%
HK$31,662
+HK$1,585/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,154/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,978
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,004
−HK$1,042/mo
Today · 4.125%
HK$35,046
baseline
▲ 0.50% · 4.625%
HK$37,179
+HK$2,133/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,092/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,688
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,672
−HK$998/mo
Today · 4.125%
HK$38,670
baseline
▲ 0.50% · 4.625%
HK$40,708
+HK$2,038/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,340/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,042 · 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).