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$18,304
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,873
−HK$579/mo
Today · 4.125%
HK$19,452
baseline
▲ 0.50% · 4.625%
HK$20,635
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,904/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,363
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,909
−HK$554/mo
Today · 4.125%
HK$21,463
baseline
▲ 0.50% · 4.625%
HK$22,594
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,926/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,965
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,648
−HK$694/mo
Today · 4.125%
HK$23,342
baseline
▲ 0.50% · 4.625%
HK$24,762
+HK$1,420/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,684/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,436
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,091
−HK$665/mo
Today · 4.125%
HK$25,756
baseline
▲ 0.50% · 4.625%
HK$27,113
+HK$1,357/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,512/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,626
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,423
−HK$809/mo
Today · 4.125%
HK$27,232
baseline
▲ 0.50% · 4.625%
HK$28,890
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,464/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,508
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,273
−HK$775/mo
Today · 4.125%
HK$30,048
baseline
▲ 0.50% · 4.625%
HK$31,632
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,096/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,947
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,972
−HK$1,041/mo
Today · 4.125%
HK$35,013
baseline
▲ 0.50% · 4.625%
HK$37,144
+HK$2,131/mo
Deposit HK$803K · loan HK$7.22M · min. income ≈ HK$70,026/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,653
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,636
−HK$998/mo
Today · 4.125%
HK$38,634
baseline
▲ 0.50% · 4.625%
HK$40,670
+HK$2,036/mo
Deposit HK$803K · loan HK$7.22M · min. income ≈ HK$77,268/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,815 · 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).