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$18,307
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,876
−HK$579/mo
Today · 4.125%
HK$19,455
baseline
▲ 0.50% · 4.625%
HK$20,638
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,910/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,366
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,912
−HK$554/mo
Today · 4.125%
HK$21,466
baseline
▲ 0.50% · 4.625%
HK$22,598
+HK$1,132/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,932/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,968
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,651
−HK$694/mo
Today · 4.125%
HK$23,345
baseline
▲ 0.50% · 4.625%
HK$24,766
+HK$1,421/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,690/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,439
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,095
−HK$664/mo
Today · 4.125%
HK$25,759
baseline
▲ 0.50% · 4.625%
HK$27,117
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,518/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,629
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,426
−HK$810/mo
Today · 4.125%
HK$27,236
baseline
▲ 0.50% · 4.625%
HK$28,894
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,472/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,512
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,277
−HK$776/mo
Today · 4.125%
HK$30,053
baseline
▲ 0.50% · 4.625%
HK$31,637
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,106/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,952
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,977
−HK$1,041/mo
Today · 4.125%
HK$35,018
baseline
▲ 0.50% · 4.625%
HK$37,149
+HK$2,131/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,036/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,659
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,642
−HK$997/mo
Today · 4.125%
HK$38,639
baseline
▲ 0.50% · 4.625%
HK$40,676
+HK$2,037/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,278/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,850 · 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).