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$18,316
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,885
−HK$579/mo
Today · 4.125%
HK$19,464
baseline
▲ 0.50% · 4.625%
HK$20,649
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,928/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,376
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,922
−HK$555/mo
Today · 4.125%
HK$21,477
baseline
▲ 0.50% · 4.625%
HK$22,609
+HK$1,132/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,954/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,979
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,662
−HK$695/mo
Today · 4.125%
HK$23,357
baseline
▲ 0.50% · 4.625%
HK$24,778
+HK$1,421/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,714/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,451
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,107
−HK$665/mo
Today · 4.125%
HK$25,772
baseline
▲ 0.50% · 4.625%
HK$27,131
+HK$1,359/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,544/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,642
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,440
−HK$810/mo
Today · 4.125%
HK$27,250
baseline
▲ 0.50% · 4.625%
HK$28,908
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,500/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,526
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,291
−HK$777/mo
Today · 4.125%
HK$30,068
baseline
▲ 0.50% · 4.625%
HK$31,653
+HK$1,585/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,136/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,968
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,994
−HK$1,042/mo
Today · 4.125%
HK$35,036
baseline
▲ 0.50% · 4.625%
HK$37,167
+HK$2,131/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,072/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,677
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,660
−HK$998/mo
Today · 4.125%
HK$38,658
baseline
▲ 0.50% · 4.625%
HK$40,696
+HK$2,038/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,316/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,969 · 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).