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$18,268
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,837
−HK$577/mo
Today · 4.125%
HK$19,414
baseline
▲ 0.50% · 4.625%
HK$20,595
+HK$1,181/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,828/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,323
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,868
−HK$553/mo
Today · 4.125%
HK$21,421
baseline
▲ 0.50% · 4.625%
HK$22,551
+HK$1,130/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,842/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,922
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,604
−HK$693/mo
Today · 4.125%
HK$23,297
baseline
▲ 0.50% · 4.625%
HK$24,714
+HK$1,417/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$46,594/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,388
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,042
−HK$664/mo
Today · 4.125%
HK$25,706
baseline
▲ 0.50% · 4.625%
HK$27,061
+HK$1,355/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$51,412/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,576
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,371
−HK$809/mo
Today · 4.125%
HK$27,180
baseline
▲ 0.50% · 4.625%
HK$28,833
+HK$1,653/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,360/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,453
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,216
−HK$774/mo
Today · 4.125%
HK$29,990
baseline
▲ 0.50% · 4.625%
HK$31,571
+HK$1,581/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,980/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,883
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,906
−HK$1,039/mo
Today · 4.125%
HK$34,945
baseline
▲ 0.50% · 4.625%
HK$37,072
+HK$2,127/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,890/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,582
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,563
−HK$996/mo
Today · 4.125%
HK$38,559
baseline
▲ 0.50% · 4.625%
HK$40,591
+HK$2,032/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,118/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,347 · 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).