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$1,148/mo
▼ 0.25% · 3.875%
HK$18,886
−HK$579/mo
Today · 4.125%
HK$19,465
baseline
▲ 0.50% · 4.625%
HK$20,650
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,930/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,377
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,924
−HK$554/mo
Today · 4.125%
HK$21,478
baseline
▲ 0.50% · 4.625%
HK$22,610
+HK$1,132/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,956/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,980
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,664
−HK$694/mo
Today · 4.125%
HK$23,358
baseline
▲ 0.50% · 4.625%
HK$24,780
+HK$1,422/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,716/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,452
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,108
−HK$666/mo
Today · 4.125%
HK$25,774
baseline
▲ 0.50% · 4.625%
HK$27,132
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,548/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,643
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,441
−HK$810/mo
Today · 4.125%
HK$27,251
baseline
▲ 0.50% · 4.625%
HK$28,910
+HK$1,659/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,502/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,528
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,293
−HK$776/mo
Today · 4.125%
HK$30,069
baseline
▲ 0.50% · 4.625%
HK$31,654
+HK$1,585/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,138/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,970
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,995
−HK$1,042/mo
Today · 4.125%
HK$35,037
baseline
▲ 0.50% · 4.625%
HK$37,169
+HK$2,132/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,074/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,679
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,662
−HK$998/mo
Today · 4.125%
HK$38,660
baseline
▲ 0.50% · 4.625%
HK$40,698
+HK$2,038/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,320/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,982 · 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).