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$18,292
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,861
−HK$579/mo
Today · 4.125%
HK$19,440
baseline
▲ 0.50% · 4.625%
HK$20,622
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,880/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,350
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,896
−HK$554/mo
Today · 4.125%
HK$21,450
baseline
▲ 0.50% · 4.625%
HK$22,580
+HK$1,130/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,900/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,951
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,634
−HK$693/mo
Today · 4.125%
HK$23,327
baseline
▲ 0.50% · 4.625%
HK$24,747
+HK$1,420/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,654/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,420
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,075
−HK$665/mo
Today · 4.125%
HK$25,740
baseline
▲ 0.50% · 4.625%
HK$27,096
+HK$1,356/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,480/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,609
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,406
−HK$809/mo
Today · 4.125%
HK$27,215
baseline
▲ 0.50% · 4.625%
HK$28,871
+HK$1,656/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,430/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,490
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,254
−HK$775/mo
Today · 4.125%
HK$30,029
baseline
▲ 0.50% · 4.625%
HK$31,612
+HK$1,583/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,058/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,926
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,951
−HK$1,040/mo
Today · 4.125%
HK$34,991
baseline
▲ 0.50% · 4.625%
HK$37,120
+HK$2,129/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$69,982/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,630
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,613
−HK$996/mo
Today · 4.125%
HK$38,609
baseline
▲ 0.50% · 4.625%
HK$40,644
+HK$2,035/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,218/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,663 · 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).