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$18,338
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,908
−HK$580/mo
Today · 4.125%
HK$19,488
baseline
▲ 0.50% · 4.625%
HK$20,673
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,976/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,400
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,948
−HK$555/mo
Today · 4.125%
HK$21,503
baseline
▲ 0.50% · 4.625%
HK$22,636
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,006/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,005
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,690
−HK$695/mo
Today · 4.125%
HK$23,385
baseline
▲ 0.50% · 4.625%
HK$24,808
+HK$1,423/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,770/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,481
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,137
−HK$666/mo
Today · 4.125%
HK$25,803
baseline
▲ 0.50% · 4.625%
HK$27,163
+HK$1,360/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,606/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,673
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,471
−HK$812/mo
Today · 4.125%
HK$27,283
baseline
▲ 0.50% · 4.625%
HK$28,943
+HK$1,660/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,566/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,561
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,327
−HK$777/mo
Today · 4.125%
HK$30,104
baseline
▲ 0.50% · 4.625%
HK$31,690
+HK$1,586/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,208/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,008
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,034
−HK$1,044/mo
Today · 4.125%
HK$35,078
baseline
▲ 0.50% · 4.625%
HK$37,212
+HK$2,134/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$70,156/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,721
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,706
−HK$999/mo
Today · 4.125%
HK$38,705
baseline
▲ 0.50% · 4.625%
HK$40,745
+HK$2,040/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$77,410/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,258 · 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).