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$18,312
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,882
−HK$579/mo
Today · 4.125%
HK$19,461
baseline
▲ 0.50% · 4.625%
HK$20,645
+HK$1,184/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,922/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,372
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,918
−HK$555/mo
Today · 4.125%
HK$21,473
baseline
▲ 0.50% · 4.625%
HK$22,605
+HK$1,132/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,946/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,975
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,658
−HK$695/mo
Today · 4.125%
HK$23,353
baseline
▲ 0.50% · 4.625%
HK$24,774
+HK$1,421/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,706/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,447
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,102
−HK$665/mo
Today · 4.125%
HK$25,767
baseline
▲ 0.50% · 4.625%
HK$27,126
+HK$1,359/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,534/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,637
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,435
−HK$810/mo
Today · 4.125%
HK$27,245
baseline
▲ 0.50% · 4.625%
HK$28,902
+HK$1,657/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,490/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,521
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,286
−HK$776/mo
Today · 4.125%
HK$30,062
baseline
▲ 0.50% · 4.625%
HK$31,646
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,124/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,962
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,987
−HK$1,042/mo
Today · 4.125%
HK$35,029
baseline
▲ 0.50% · 4.625%
HK$37,160
+HK$2,131/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,058/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,670
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,653
−HK$998/mo
Today · 4.125%
HK$38,651
baseline
▲ 0.50% · 4.625%
HK$40,688
+HK$2,037/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,302/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,923 · 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).