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$18,331
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,902
−HK$579/mo
Today · 4.125%
HK$19,481
baseline
▲ 0.50% · 4.625%
HK$20,666
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,962/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,394
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,940
−HK$555/mo
Today · 4.125%
HK$21,495
baseline
▲ 0.50% · 4.625%
HK$22,628
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,990/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,998
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,682
−HK$695/mo
Today · 4.125%
HK$23,377
baseline
▲ 0.50% · 4.625%
HK$24,800
+HK$1,423/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$46,754/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,472
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,129
−HK$665/mo
Today · 4.125%
HK$25,794
baseline
▲ 0.50% · 4.625%
HK$27,154
+HK$1,360/mo
Deposit HK$3.22M · loan HK$4.82M · min. income ≈ HK$51,588/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,664
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,462
−HK$811/mo
Today · 4.125%
HK$27,273
baseline
▲ 0.50% · 4.625%
HK$28,933
+HK$1,660/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,546/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,551
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,317
−HK$776/mo
Today · 4.125%
HK$30,093
baseline
▲ 0.50% · 4.625%
HK$31,680
+HK$1,587/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,186/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,997
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,023
−HK$1,043/mo
Today · 4.125%
HK$35,066
baseline
▲ 0.50% · 4.625%
HK$37,199
+HK$2,133/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$70,132/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,708
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,693
−HK$999/mo
Today · 4.125%
HK$38,692
baseline
▲ 0.50% · 4.625%
HK$40,731
+HK$2,039/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$77,384/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,177 · 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).