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$18,283
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,852
−HK$578/mo
Today · 4.125%
HK$19,430
baseline
▲ 0.50% · 4.625%
HK$20,612
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,860/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,340
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,885
−HK$554/mo
Today · 4.125%
HK$21,439
baseline
▲ 0.50% · 4.625%
HK$22,569
+HK$1,130/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,878/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,940
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,622
−HK$694/mo
Today · 4.125%
HK$23,316
baseline
▲ 0.50% · 4.625%
HK$24,734
+HK$1,418/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,632/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,408
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,062
−HK$665/mo
Today · 4.125%
HK$25,727
baseline
▲ 0.50% · 4.625%
HK$27,083
+HK$1,356/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,454/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,597
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,393
−HK$809/mo
Today · 4.125%
HK$27,202
baseline
▲ 0.50% · 4.625%
HK$28,857
+HK$1,655/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$54,404/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,476
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,240
−HK$774/mo
Today · 4.125%
HK$30,014
baseline
▲ 0.50% · 4.625%
HK$31,596
+HK$1,582/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$60,028/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,910
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,933
−HK$1,041/mo
Today · 4.125%
HK$34,974
baseline
▲ 0.50% · 4.625%
HK$37,102
+HK$2,128/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$69,948/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,612
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,594
−HK$996/mo
Today · 4.125%
HK$38,590
baseline
▲ 0.50% · 4.625%
HK$40,624
+HK$2,034/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,180/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,542 · 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).