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$18,280
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,848
−HK$578/mo
Today · 4.125%
HK$19,426
baseline
▲ 0.50% · 4.625%
HK$20,608
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,852/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,336
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,881
−HK$554/mo
Today · 4.125%
HK$21,435
baseline
▲ 0.50% · 4.625%
HK$22,565
+HK$1,130/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,870/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,936
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,618
−HK$693/mo
Today · 4.125%
HK$23,311
baseline
▲ 0.50% · 4.625%
HK$24,730
+HK$1,419/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,622/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,403
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,058
−HK$664/mo
Today · 4.125%
HK$25,722
baseline
▲ 0.50% · 4.625%
HK$27,077
+HK$1,355/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,444/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,592
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,388
−HK$808/mo
Today · 4.125%
HK$27,196
baseline
▲ 0.50% · 4.625%
HK$28,851
+HK$1,655/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,392/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,470
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,234
−HK$775/mo
Today · 4.125%
HK$30,009
baseline
▲ 0.50% · 4.625%
HK$31,590
+HK$1,581/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$60,018/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,904
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,927
−HK$1,040/mo
Today · 4.125%
HK$34,967
baseline
▲ 0.50% · 4.625%
HK$37,094
+HK$2,127/mo
Deposit HK$802K · loan HK$7.21M · min. income ≈ HK$69,934/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,605
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,587
−HK$995/mo
Today · 4.125%
HK$38,582
baseline
▲ 0.50% · 4.625%
HK$40,616
+HK$2,034/mo
Deposit HK$802K · loan HK$7.21M · min. income ≈ HK$77,164/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,496 · 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).