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$18,326
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,896
−HK$579/mo
Today · 4.125%
HK$19,475
baseline
▲ 0.50% · 4.625%
HK$20,660
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,950/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,387
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,934
−HK$555/mo
Today · 4.125%
HK$21,489
baseline
▲ 0.50% · 4.625%
HK$22,621
+HK$1,132/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,978/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,991
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,675
−HK$695/mo
Today · 4.125%
HK$23,370
baseline
▲ 0.50% · 4.625%
HK$24,792
+HK$1,422/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,740/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,465
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,121
−HK$665/mo
Today · 4.125%
HK$25,786
baseline
▲ 0.50% · 4.625%
HK$27,146
+HK$1,360/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,572/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,656
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,454
−HK$811/mo
Today · 4.125%
HK$27,265
baseline
▲ 0.50% · 4.625%
HK$28,924
+HK$1,659/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,530/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,542
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,307
−HK$777/mo
Today · 4.125%
HK$30,084
baseline
▲ 0.50% · 4.625%
HK$31,670
+HK$1,586/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,168/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,986
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,012
−HK$1,043/mo
Today · 4.125%
HK$35,055
baseline
▲ 0.50% · 4.625%
HK$37,188
+HK$2,133/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$70,110/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,697
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,681
−HK$998/mo
Today · 4.125%
HK$38,679
baseline
▲ 0.50% · 4.625%
HK$40,718
+HK$2,039/mo
Deposit HK$804K · loan HK$7.23M · min. income ≈ HK$77,358/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,101 · 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).