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$18,317
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,887
−HK$579/mo
Today · 4.125%
HK$19,466
baseline
▲ 0.50% · 4.625%
HK$20,651
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,932/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,378
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,925
−HK$554/mo
Today · 4.125%
HK$21,479
baseline
▲ 0.50% · 4.625%
HK$22,611
+HK$1,132/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,958/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,981
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,665
−HK$694/mo
Today · 4.125%
HK$23,359
baseline
▲ 0.50% · 4.625%
HK$24,781
+HK$1,422/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,718/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,454
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,109
−HK$666/mo
Today · 4.125%
HK$25,775
baseline
▲ 0.50% · 4.625%
HK$27,133
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,550/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,644
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,442
−HK$811/mo
Today · 4.125%
HK$27,253
baseline
▲ 0.50% · 4.625%
HK$28,911
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,506/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,529
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,294
−HK$777/mo
Today · 4.125%
HK$30,071
baseline
▲ 0.50% · 4.625%
HK$31,656
+HK$1,585/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,142/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,971
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,997
−HK$1,042/mo
Today · 4.125%
HK$35,039
baseline
▲ 0.50% · 4.625%
HK$37,171
+HK$2,132/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,078/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,680
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,664
−HK$998/mo
Today · 4.125%
HK$38,662
baseline
▲ 0.50% · 4.625%
HK$40,700
+HK$2,038/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,324/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,993 · 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).