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$18,318
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,888
−HK$579/mo
Today · 4.125%
HK$19,467
baseline
▲ 0.50% · 4.625%
HK$20,651
+HK$1,184/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,934/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,999 · 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$22,612
+HK$1,133/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$240,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,981
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,665
−HK$695/mo
Today · 4.125%
HK$23,360
baseline
▲ 0.50% · 4.625%
HK$24,781
+HK$1,421/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,720/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,454
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,110
−HK$665/mo
Today · 4.125%
HK$25,775
baseline
▲ 0.50% · 4.625%
HK$27,134
+HK$1,359/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$240,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,645
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,443
−HK$810/mo
Today · 4.125%
HK$27,253
baseline
▲ 0.50% · 4.625%
HK$28,912
+HK$1,659/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$240,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,530
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,295
−HK$776/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$240,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,972
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,998
−HK$1,042/mo
Today · 4.125%
HK$35,040
baseline
▲ 0.50% · 4.625%
HK$37,172
+HK$2,132/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,080/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,681
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,665
−HK$998/mo
Today · 4.125%
HK$38,663
baseline
▲ 0.50% · 4.625%
HK$40,701
+HK$2,038/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,326/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,999 · 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).