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$18,301
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,870
−HK$578/mo
Today · 4.125%
HK$19,448
baseline
▲ 0.50% · 4.625%
HK$20,632
+HK$1,184/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,896/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,359
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,905
−HK$554/mo
Today · 4.125%
HK$21,459
baseline
▲ 0.50% · 4.625%
HK$22,590
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,918/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,961
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,644
−HK$694/mo
Today · 4.125%
HK$23,338
baseline
▲ 0.50% · 4.625%
HK$24,758
+HK$1,420/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,676/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,431
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,086
−HK$665/mo
Today · 4.125%
HK$25,751
baseline
▲ 0.50% · 4.625%
HK$27,108
+HK$1,357/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,502/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,621
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,418
−HK$809/mo
Today · 4.125%
HK$27,227
baseline
▲ 0.50% · 4.625%
HK$28,884
+HK$1,657/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,454/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,503
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,267
−HK$776/mo
Today · 4.125%
HK$30,043
baseline
▲ 0.50% · 4.625%
HK$31,626
+HK$1,583/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,086/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,941
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,966
−HK$1,041/mo
Today · 4.125%
HK$35,007
baseline
▲ 0.50% · 4.625%
HK$37,137
+HK$2,130/mo
Deposit HK$803K · loan HK$7.22M · min. income ≈ HK$70,014/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,647
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,629
−HK$998/mo
Today · 4.125%
HK$38,627
baseline
▲ 0.50% · 4.625%
HK$40,663
+HK$2,036/mo
Deposit HK$803K · loan HK$7.22M · min. income ≈ HK$77,254/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,771 · 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).