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$18,274
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,842
−HK$577/mo
Today · 4.125%
HK$19,419
baseline
▲ 0.50% · 4.625%
HK$20,601
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,838/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,329
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,874
−HK$553/mo
Today · 4.125%
HK$21,427
baseline
▲ 0.50% · 4.625%
HK$22,557
+HK$1,130/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,854/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,928
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,610
−HK$693/mo
Today · 4.125%
HK$23,303
baseline
▲ 0.50% · 4.625%
HK$24,721
+HK$1,418/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,606/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,395
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,049
−HK$664/mo
Today · 4.125%
HK$25,713
baseline
▲ 0.50% · 4.625%
HK$27,068
+HK$1,355/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,426/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,583
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,379
−HK$808/mo
Today · 4.125%
HK$27,187
baseline
▲ 0.50% · 4.625%
HK$28,842
+HK$1,655/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,374/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,461
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,224
−HK$774/mo
Today · 4.125%
HK$29,998
baseline
▲ 0.50% · 4.625%
HK$31,580
+HK$1,582/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,996/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,892
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,916
−HK$1,039/mo
Today · 4.125%
HK$34,955
baseline
▲ 0.50% · 4.625%
HK$37,082
+HK$2,127/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,910/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,592
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,574
−HK$995/mo
Today · 4.125%
HK$38,569
baseline
▲ 0.50% · 4.625%
HK$40,602
+HK$2,033/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,138/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,415 · 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).