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$18,270
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,839
−HK$577/mo
Today · 4.125%
HK$19,416
baseline
▲ 0.50% · 4.625%
HK$20,598
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,832/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,326
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,871
−HK$553/mo
Today · 4.125%
HK$21,424
baseline
▲ 0.50% · 4.625%
HK$22,553
+HK$1,129/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,848/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,925
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,607
−HK$692/mo
Today · 4.125%
HK$23,299
baseline
▲ 0.50% · 4.625%
HK$24,717
+HK$1,418/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$46,598/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,391
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,045
−HK$664/mo
Today · 4.125%
HK$25,709
baseline
▲ 0.50% · 4.625%
HK$27,064
+HK$1,355/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$51,418/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,579
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,374
−HK$809/mo
Today · 4.125%
HK$27,183
baseline
▲ 0.50% · 4.625%
HK$28,837
+HK$1,654/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,366/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,456
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,219
−HK$774/mo
Today · 4.125%
HK$29,993
baseline
▲ 0.50% · 4.625%
HK$31,574
+HK$1,581/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,986/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,887
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,910
−HK$1,039/mo
Today · 4.125%
HK$34,949
baseline
▲ 0.50% · 4.625%
HK$37,076
+HK$2,127/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,898/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,586
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,568
−HK$995/mo
Today · 4.125%
HK$38,563
baseline
▲ 0.50% · 4.625%
HK$40,596
+HK$2,033/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,126/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,375 · 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).