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$18,328
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,898
−HK$579/mo
Today · 4.125%
HK$19,477
baseline
▲ 0.50% · 4.625%
HK$20,662
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,954/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,390
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,936
−HK$555/mo
Today · 4.125%
HK$21,491
baseline
▲ 0.50% · 4.625%
HK$22,624
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,982/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,993
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,678
−HK$695/mo
Today · 4.125%
HK$23,373
baseline
▲ 0.50% · 4.625%
HK$24,795
+HK$1,422/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$46,746/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,467
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,124
−HK$665/mo
Today · 4.125%
HK$25,789
baseline
▲ 0.50% · 4.625%
HK$27,149
+HK$1,360/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$51,578/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,659
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,457
−HK$811/mo
Today · 4.125%
HK$27,268
baseline
▲ 0.50% · 4.625%
HK$28,927
+HK$1,659/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,536/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,545
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,311
−HK$777/mo
Today · 4.125%
HK$30,088
baseline
▲ 0.50% · 4.625%
HK$31,674
+HK$1,586/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,176/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,990
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,016
−HK$1,043/mo
Today · 4.125%
HK$35,059
baseline
▲ 0.50% · 4.625%
HK$37,192
+HK$2,133/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$70,118/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,701
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,686
−HK$998/mo
Today · 4.125%
HK$38,684
baseline
▲ 0.50% · 4.625%
HK$40,723
+HK$2,039/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$77,368/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,129 · 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).