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$1,145/mo
▼ 0.25% · 3.875%
HK$18,835
−HK$577/mo
Today · 4.125%
HK$19,412
baseline
▲ 0.50% · 4.625%
HK$20,594
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,824/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,328 · 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$240,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,920
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,602
−HK$693/mo
Today · 4.125%
HK$23,295
baseline
▲ 0.50% · 4.625%
HK$24,712
+HK$1,417/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$46,590/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,386
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,040
−HK$664/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$240,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,574
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,369
−HK$808/mo
Today · 4.125%
HK$27,177
baseline
▲ 0.50% · 4.625%
HK$28,831
+HK$1,654/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,354/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,450
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,214
−HK$774/mo
Today · 4.125%
HK$29,988
baseline
▲ 0.50% · 4.625%
HK$31,568
+HK$1,580/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$240,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,880
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,903
−HK$1,039/mo
Today · 4.125%
HK$34,942
baseline
▲ 0.50% · 4.625%
HK$37,069
+HK$2,127/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,884/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,579
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,560
−HK$995/mo
Today · 4.125%
HK$38,555
baseline
▲ 0.50% · 4.625%
HK$40,588
+HK$2,033/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,110/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,328 · 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).