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$18,296
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,866
−HK$578/mo
Today · 4.125%
HK$19,444
baseline
▲ 0.50% · 4.625%
HK$20,627
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,888/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,355
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,901
−HK$553/mo
Today · 4.125%
HK$21,454
baseline
▲ 0.50% · 4.625%
HK$22,585
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,908/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,956
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,639
−HK$694/mo
Today · 4.125%
HK$23,333
baseline
▲ 0.50% · 4.625%
HK$24,752
+HK$1,419/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,666/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,426
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,081
−HK$664/mo
Today · 4.125%
HK$25,745
baseline
▲ 0.50% · 4.625%
HK$27,102
+HK$1,357/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,490/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,615
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,412
−HK$809/mo
Today · 4.125%
HK$27,221
baseline
▲ 0.50% · 4.625%
HK$28,878
+HK$1,657/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,442/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,496
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,261
−HK$775/mo
Today · 4.125%
HK$30,036
baseline
▲ 0.50% · 4.625%
HK$31,619
+HK$1,583/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,072/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,934
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,958
−HK$1,041/mo
Today · 4.125%
HK$34,999
baseline
▲ 0.50% · 4.625%
HK$37,128
+HK$2,129/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$69,998/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,638
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,621
−HK$997/mo
Today · 4.125%
HK$38,618
baseline
▲ 0.50% · 4.625%
HK$40,653
+HK$2,035/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,236/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,716 · 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).