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$18,314
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,884
−HK$578/mo
Today · 4.125%
HK$19,462
baseline
▲ 0.50% · 4.625%
HK$20,647
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,924/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,374
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,920
−HK$555/mo
Today · 4.125%
HK$21,475
baseline
▲ 0.50% · 4.625%
HK$22,607
+HK$1,132/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,950/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,977
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,660
−HK$695/mo
Today · 4.125%
HK$23,355
baseline
▲ 0.50% · 4.625%
HK$24,776
+HK$1,421/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,710/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,449
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,105
−HK$665/mo
Today · 4.125%
HK$25,770
baseline
▲ 0.50% · 4.625%
HK$27,128
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,540/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,639
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,437
−HK$810/mo
Today · 4.125%
HK$27,247
baseline
▲ 0.50% · 4.625%
HK$28,905
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,494/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,524
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,289
−HK$776/mo
Today · 4.125%
HK$30,065
baseline
▲ 0.50% · 4.625%
HK$31,649
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,130/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,965
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,990
−HK$1,042/mo
Today · 4.125%
HK$35,032
baseline
▲ 0.50% · 4.625%
HK$37,164
+HK$2,132/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,064/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,673
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,657
−HK$998/mo
Today · 4.125%
HK$38,655
baseline
▲ 0.50% · 4.625%
HK$40,692
+HK$2,037/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,310/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,946 · 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).