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$18,266
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,834
−HK$578/mo
Today · 4.125%
HK$19,412
baseline
▲ 0.50% · 4.625%
HK$20,593
+HK$1,181/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,824/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,321
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,866
−HK$553/mo
Today · 4.125%
HK$21,419
baseline
▲ 0.50% · 4.625%
HK$22,548
+HK$1,129/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,838/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,919
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,601
−HK$693/mo
Today · 4.125%
HK$23,294
baseline
▲ 0.50% · 4.625%
HK$24,711
+HK$1,417/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$46,588/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,385
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,039
−HK$663/mo
Today · 4.125%
HK$25,702
baseline
▲ 0.50% · 4.625%
HK$27,057
+HK$1,355/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$51,404/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,573
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,368
−HK$808/mo
Today · 4.125%
HK$27,176
baseline
▲ 0.50% · 4.625%
HK$28,830
+HK$1,654/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,352/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,449
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,212
−HK$774/mo
Today · 4.125%
HK$29,986
baseline
▲ 0.50% · 4.625%
HK$31,567
+HK$1,581/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,972/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,879
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,902
−HK$1,039/mo
Today · 4.125%
HK$34,941
baseline
▲ 0.50% · 4.625%
HK$37,067
+HK$2,126/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,882/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,577
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,558
−HK$996/mo
Today · 4.125%
HK$38,554
baseline
▲ 0.50% · 4.625%
HK$40,586
+HK$2,032/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,108/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,317 · 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).