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$18,271
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,840
−HK$577/mo
Today · 4.125%
HK$19,417
baseline
▲ 0.50% · 4.625%
HK$20,599
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,834/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,327
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,872
−HK$553/mo
Today · 4.125%
HK$21,425
baseline
▲ 0.50% · 4.625%
HK$22,554
+HK$1,129/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,850/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,926
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,608
−HK$693/mo
Today · 4.125%
HK$23,301
baseline
▲ 0.50% · 4.625%
HK$24,718
+HK$1,417/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,602/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,392
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,046
−HK$664/mo
Today · 4.125%
HK$25,710
baseline
▲ 0.50% · 4.625%
HK$27,065
+HK$1,355/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,420/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,580
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,376
−HK$808/mo
Today · 4.125%
HK$27,184
baseline
▲ 0.50% · 4.625%
HK$28,838
+HK$1,654/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,368/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,458
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,221
−HK$774/mo
Today · 4.125%
HK$29,995
baseline
▲ 0.50% · 4.625%
HK$31,576
+HK$1,581/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,990/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,889
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,912
−HK$1,039/mo
Today · 4.125%
HK$34,951
baseline
▲ 0.50% · 4.625%
HK$37,078
+HK$2,127/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,902/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,588
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,570
−HK$995/mo
Today · 4.125%
HK$38,565
baseline
▲ 0.50% · 4.625%
HK$40,598
+HK$2,033/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,130/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,387 · 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).