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$1,145/mo
▼ 0.25% · 3.875%
HK$18,836
−HK$577/mo
Today · 4.125%
HK$19,413
baseline
▲ 0.50% · 4.625%
HK$20,595
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,826/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,339 · 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$22,550
+HK$1,129/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$240,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,921
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,603
−HK$693/mo
Today · 4.125%
HK$23,296
baseline
▲ 0.50% · 4.625%
HK$24,714
+HK$1,418/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$46,592/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,387
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,041
−HK$664/mo
Today · 4.125%
HK$25,705
baseline
▲ 0.50% · 4.625%
HK$27,060
+HK$1,355/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$51,410/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,575
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,370
−HK$809/mo
Today · 4.125%
HK$27,179
baseline
▲ 0.50% · 4.625%
HK$28,832
+HK$1,653/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,358/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,452
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,215
−HK$774/mo
Today · 4.125%
HK$29,989
baseline
▲ 0.50% · 4.625%
HK$31,570
+HK$1,581/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,978/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,882
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,905
−HK$1,039/mo
Today · 4.125%
HK$34,944
baseline
▲ 0.50% · 4.625%
HK$37,070
+HK$2,126/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,888/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,581
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,562
−HK$995/mo
Today · 4.125%
HK$38,557
baseline
▲ 0.50% · 4.625%
HK$40,590
+HK$2,033/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,114/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,339 · 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).