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$18,293
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,862
−HK$578/mo
Today · 4.125%
HK$19,440
baseline
▲ 0.50% · 4.625%
HK$20,623
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,880/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,351
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,897
−HK$554/mo
Today · 4.125%
HK$21,451
baseline
▲ 0.50% · 4.625%
HK$22,581
+HK$1,130/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,902/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,952
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,635
−HK$694/mo
Today · 4.125%
HK$23,329
baseline
▲ 0.50% · 4.625%
HK$24,748
+HK$1,419/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,658/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,421
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,076
−HK$665/mo
Today · 4.125%
HK$25,741
baseline
▲ 0.50% · 4.625%
HK$27,098
+HK$1,357/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,482/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,611
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,407
−HK$810/mo
Today · 4.125%
HK$27,217
baseline
▲ 0.50% · 4.625%
HK$28,873
+HK$1,656/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,434/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,492
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,256
−HK$775/mo
Today · 4.125%
HK$30,031
baseline
▲ 0.50% · 4.625%
HK$31,614
+HK$1,583/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,062/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,928
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,952
−HK$1,041/mo
Today · 4.125%
HK$34,993
baseline
▲ 0.50% · 4.625%
HK$37,122
+HK$2,129/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$69,986/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,632
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,614
−HK$997/mo
Today · 4.125%
HK$38,611
baseline
▲ 0.50% · 4.625%
HK$40,646
+HK$2,035/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,222/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,674 · 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).