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$18,310
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,879
−HK$579/mo
Today · 4.125%
HK$19,458
baseline
▲ 0.50% · 4.625%
HK$20,642
+HK$1,184/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,916/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,370
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,916
−HK$554/mo
Today · 4.125%
HK$21,470
baseline
▲ 0.50% · 4.625%
HK$22,602
+HK$1,132/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,940/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,972
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,655
−HK$695/mo
Today · 4.125%
HK$23,350
baseline
▲ 0.50% · 4.625%
HK$24,770
+HK$1,420/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,700/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,444
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,099
−HK$665/mo
Today · 4.125%
HK$25,764
baseline
▲ 0.50% · 4.625%
HK$27,122
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,528/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,634
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,431
−HK$810/mo
Today · 4.125%
HK$27,241
baseline
▲ 0.50% · 4.625%
HK$28,899
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,482/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,517
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,282
−HK$776/mo
Today · 4.125%
HK$30,058
baseline
▲ 0.50% · 4.625%
HK$31,643
+HK$1,585/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,116/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,958
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,983
−HK$1,042/mo
Today · 4.125%
HK$35,025
baseline
▲ 0.50% · 4.625%
HK$37,156
+HK$2,131/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,050/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,665
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,649
−HK$997/mo
Today · 4.125%
HK$38,646
baseline
▲ 0.50% · 4.625%
HK$40,683
+HK$2,037/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,292/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,893 · 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).