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$18,265
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,833
−HK$577/mo
Today · 4.125%
HK$19,410
baseline
▲ 0.50% · 4.625%
HK$20,592
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,820/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,320
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,865
−HK$553/mo
Today · 4.125%
HK$21,418
baseline
▲ 0.50% · 4.625%
HK$22,547
+HK$1,129/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,836/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,918
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,600
−HK$693/mo
Today · 4.125%
HK$23,293
baseline
▲ 0.50% · 4.625%
HK$24,710
+HK$1,417/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$46,586/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,384
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,038
−HK$663/mo
Today · 4.125%
HK$25,701
baseline
▲ 0.50% · 4.625%
HK$27,056
+HK$1,355/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$51,402/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,571
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,367
−HK$808/mo
Today · 4.125%
HK$27,175
baseline
▲ 0.50% · 4.625%
HK$28,828
+HK$1,653/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,350/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,448
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,211
−HK$774/mo
Today · 4.125%
HK$29,985
baseline
▲ 0.50% · 4.625%
HK$31,565
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,970/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,877
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,900
−HK$1,039/mo
Today · 4.125%
HK$34,939
baseline
▲ 0.50% · 4.625%
HK$37,065
+HK$2,126/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,878/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,576
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,556
−HK$996/mo
Today · 4.125%
HK$38,552
baseline
▲ 0.50% · 4.625%
HK$40,584
+HK$2,032/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,104/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,304 · 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).