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$18,298
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,867
−HK$578/mo
Today · 4.125%
HK$19,445
baseline
▲ 0.50% · 4.625%
HK$20,628
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,890/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,356
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,902
−HK$554/mo
Today · 4.125%
HK$21,456
baseline
▲ 0.50% · 4.625%
HK$22,587
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,912/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,957
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,640
−HK$694/mo
Today · 4.125%
HK$23,334
baseline
▲ 0.50% · 4.625%
HK$24,754
+HK$1,420/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,668/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,427
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,083
−HK$664/mo
Today · 4.125%
HK$25,747
baseline
▲ 0.50% · 4.625%
HK$27,104
+HK$1,357/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,494/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,617
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,414
−HK$809/mo
Today · 4.125%
HK$27,223
baseline
▲ 0.50% · 4.625%
HK$28,880
+HK$1,657/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,446/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,499
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,263
−HK$775/mo
Today · 4.125%
HK$30,038
baseline
▲ 0.50% · 4.625%
HK$31,622
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,076/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,936
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,961
−HK$1,040/mo
Today · 4.125%
HK$35,001
baseline
▲ 0.50% · 4.625%
HK$37,131
+HK$2,130/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$70,002/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,641
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,624
−HK$997/mo
Today · 4.125%
HK$38,621
baseline
▲ 0.50% · 4.625%
HK$40,656
+HK$2,035/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,242/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,734 · 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).