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$1,149/mo
▼ 0.25% · 3.875%
HK$18,884
−HK$579/mo
Today · 4.125%
HK$19,463
baseline
▲ 0.50% · 4.625%
HK$20,647
+HK$1,184/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,926/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,375
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,921
−HK$554/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$240,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,977
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,661
−HK$694/mo
Today · 4.125%
HK$23,355
baseline
▲ 0.50% · 4.625%
HK$24,777
+HK$1,422/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$240,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,450
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,105
−HK$665/mo
Today · 4.125%
HK$25,770
baseline
▲ 0.50% · 4.625%
HK$27,129
+HK$1,359/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$240,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,640
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,438
−HK$810/mo
Today · 4.125%
HK$27,248
baseline
▲ 0.50% · 4.625%
HK$28,906
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,496/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,524
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,289
−HK$777/mo
Today · 4.125%
HK$30,066
baseline
▲ 0.50% · 4.625%
HK$31,650
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,132/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,966
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,991
−HK$1,042/mo
Today · 4.125%
HK$35,033
baseline
▲ 0.50% · 4.625%
HK$37,165
+HK$2,132/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,066/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,674
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,658
−HK$998/mo
Today · 4.125%
HK$38,656
baseline
▲ 0.50% · 4.625%
HK$40,693
+HK$2,037/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,312/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,952 · 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).