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$18,267
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,836
−HK$577/mo
Today · 4.125%
HK$19,413
baseline
▲ 0.50% · 4.625%
HK$20,594
+HK$1,181/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,826/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,322
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,867
−HK$553/mo
Today · 4.125%
HK$21,420
baseline
▲ 0.50% · 4.625%
HK$22,549
+HK$1,129/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,840/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,921
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,603
−HK$693/mo
Today · 4.125%
HK$23,296
baseline
▲ 0.50% · 4.625%
HK$24,713
+HK$1,417/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$46,592/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,387
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,041
−HK$663/mo
Today · 4.125%
HK$25,704
baseline
▲ 0.50% · 4.625%
HK$27,059
+HK$1,355/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$51,408/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,574
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,370
−HK$808/mo
Today · 4.125%
HK$27,178
baseline
▲ 0.50% · 4.625%
HK$28,832
+HK$1,654/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,356/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,451
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,214
−HK$774/mo
Today · 4.125%
HK$29,988
baseline
▲ 0.50% · 4.625%
HK$31,569
+HK$1,581/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,976/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,881
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,904
−HK$1,039/mo
Today · 4.125%
HK$34,943
baseline
▲ 0.50% · 4.625%
HK$37,069
+HK$2,126/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,886/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,580
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,561
−HK$995/mo
Today · 4.125%
HK$38,556
baseline
▲ 0.50% · 4.625%
HK$40,589
+HK$2,033/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,112/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,334 · 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).