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$18,292
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,861
−HK$578/mo
Today · 4.125%
HK$19,439
baseline
▲ 0.50% · 4.625%
HK$20,622
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,878/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,349
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,895
−HK$554/mo
Today · 4.125%
HK$21,449
baseline
▲ 0.50% · 4.625%
HK$22,580
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,898/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,950
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,633
−HK$694/mo
Today · 4.125%
HK$23,327
baseline
▲ 0.50% · 4.625%
HK$24,746
+HK$1,419/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,654/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,419
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,074
−HK$665/mo
Today · 4.125%
HK$25,739
baseline
▲ 0.50% · 4.625%
HK$27,095
+HK$1,356/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,478/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,609
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,405
−HK$809/mo
Today · 4.125%
HK$27,214
baseline
▲ 0.50% · 4.625%
HK$28,870
+HK$1,656/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,428/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,489
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,253
−HK$775/mo
Today · 4.125%
HK$30,028
baseline
▲ 0.50% · 4.625%
HK$31,611
+HK$1,583/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,056/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,925
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,949
−HK$1,041/mo
Today · 4.125%
HK$34,990
baseline
▲ 0.50% · 4.625%
HK$37,119
+HK$2,129/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$69,980/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,629
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,611
−HK$997/mo
Today · 4.125%
HK$38,608
baseline
▲ 0.50% · 4.625%
HK$40,643
+HK$2,035/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,216/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,655 · 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).