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$18,329
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,899
−HK$580/mo
Today · 4.125%
HK$19,479
baseline
▲ 0.50% · 4.625%
HK$20,664
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,958/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,391
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,938
−HK$555/mo
Today · 4.125%
HK$21,493
baseline
▲ 0.50% · 4.625%
HK$22,626
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,986/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,995
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,679
−HK$695/mo
Today · 4.125%
HK$23,374
baseline
▲ 0.50% · 4.625%
HK$24,797
+HK$1,423/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$46,748/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,469
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,126
−HK$665/mo
Today · 4.125%
HK$25,791
baseline
▲ 0.50% · 4.625%
HK$27,151
+HK$1,360/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$51,582/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,661
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,459
−HK$811/mo
Today · 4.125%
HK$27,270
baseline
▲ 0.50% · 4.625%
HK$28,930
+HK$1,660/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,540/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,548
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,313
−HK$777/mo
Today · 4.125%
HK$30,090
baseline
▲ 0.50% · 4.625%
HK$31,676
+HK$1,586/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,180/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,993
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,019
−HK$1,043/mo
Today · 4.125%
HK$35,062
baseline
▲ 0.50% · 4.625%
HK$37,195
+HK$2,133/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$70,124/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,704
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,688
−HK$999/mo
Today · 4.125%
HK$38,687
baseline
▲ 0.50% · 4.625%
HK$40,726
+HK$2,039/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$77,374/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,148 · 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).