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$18,315
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,885
−HK$579/mo
Today · 4.125%
HK$19,464
baseline
▲ 0.50% · 4.625%
HK$20,648
+HK$1,184/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,928/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,376
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,922
−HK$554/mo
Today · 4.125%
HK$21,476
baseline
▲ 0.50% · 4.625%
HK$22,609
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,952/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,978
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,662
−HK$695/mo
Today · 4.125%
HK$23,357
baseline
▲ 0.50% · 4.625%
HK$24,778
+HK$1,421/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,714/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,451
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,107
−HK$665/mo
Today · 4.125%
HK$25,772
baseline
▲ 0.50% · 4.625%
HK$27,130
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,544/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,641
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,439
−HK$810/mo
Today · 4.125%
HK$27,249
baseline
▲ 0.50% · 4.625%
HK$28,907
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,498/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,526
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,291
−HK$776/mo
Today · 4.125%
HK$30,067
baseline
▲ 0.50% · 4.625%
HK$31,652
+HK$1,585/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,134/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,968
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,993
−HK$1,042/mo
Today · 4.125%
HK$35,035
baseline
▲ 0.50% · 4.625%
HK$37,167
+HK$2,132/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,070/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,676
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,660
−HK$998/mo
Today · 4.125%
HK$38,658
baseline
▲ 0.50% · 4.625%
HK$40,695
+HK$2,037/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,316/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,965 · 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).