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$18,309
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,878
−HK$579/mo
Today · 4.125%
HK$19,457
baseline
▲ 0.50% · 4.625%
HK$20,641
+HK$1,184/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,914/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,369
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,915
−HK$554/mo
Today · 4.125%
HK$21,469
baseline
▲ 0.50% · 4.625%
HK$22,601
+HK$1,132/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,938/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,971
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,654
−HK$694/mo
Today · 4.125%
HK$23,348
baseline
▲ 0.50% · 4.625%
HK$24,769
+HK$1,421/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,696/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,442
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,098
−HK$665/mo
Today · 4.125%
HK$25,763
baseline
▲ 0.50% · 4.625%
HK$27,121
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,526/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,633
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,430
−HK$810/mo
Today · 4.125%
HK$27,240
baseline
▲ 0.50% · 4.625%
HK$28,897
+HK$1,657/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,480/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,516
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,281
−HK$776/mo
Today · 4.125%
HK$30,057
baseline
▲ 0.50% · 4.625%
HK$31,641
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,114/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,956
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,981
−HK$1,042/mo
Today · 4.125%
HK$35,023
baseline
▲ 0.50% · 4.625%
HK$37,154
+HK$2,131/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,046/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,663
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,647
−HK$997/mo
Today · 4.125%
HK$38,644
baseline
▲ 0.50% · 4.625%
HK$40,681
+HK$2,037/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,288/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,881 · 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).