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$18,286
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,854
−HK$578/mo
Today · 4.125%
HK$19,432
baseline
▲ 0.50% · 4.625%
HK$20,615
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,864/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,343
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,888
−HK$554/mo
Today · 4.125%
HK$21,442
baseline
▲ 0.50% · 4.625%
HK$22,572
+HK$1,130/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,884/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,943
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,625
−HK$694/mo
Today · 4.125%
HK$23,319
baseline
▲ 0.50% · 4.625%
HK$24,738
+HK$1,419/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,638/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,411
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,066
−HK$664/mo
Today · 4.125%
HK$25,730
baseline
▲ 0.50% · 4.625%
HK$27,086
+HK$1,356/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,460/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,600
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,396
−HK$809/mo
Today · 4.125%
HK$27,205
baseline
▲ 0.50% · 4.625%
HK$28,861
+HK$1,656/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$54,410/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,480
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,244
−HK$774/mo
Today · 4.125%
HK$30,018
baseline
▲ 0.50% · 4.625%
HK$31,601
+HK$1,583/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$60,036/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,914
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,938
−HK$1,040/mo
Today · 4.125%
HK$34,978
baseline
▲ 0.50% · 4.625%
HK$37,107
+HK$2,129/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$69,956/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,617
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,599
−HK$996/mo
Today · 4.125%
HK$38,595
baseline
▲ 0.50% · 4.625%
HK$40,629
+HK$2,034/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,190/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,575 · 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).