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$18,289
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,857
−HK$578/mo
Today · 4.125%
HK$19,435
baseline
▲ 0.50% · 4.625%
HK$20,618
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,870/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,346
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,892
−HK$553/mo
Today · 4.125%
HK$21,445
baseline
▲ 0.50% · 4.625%
HK$22,576
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,890/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,946
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,629
−HK$694/mo
Today · 4.125%
HK$23,323
baseline
▲ 0.50% · 4.625%
HK$24,742
+HK$1,419/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,646/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,415
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,070
−HK$664/mo
Today · 4.125%
HK$25,734
baseline
▲ 0.50% · 4.625%
HK$27,091
+HK$1,357/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,468/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,604
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,400
−HK$810/mo
Today · 4.125%
HK$27,210
baseline
▲ 0.50% · 4.625%
HK$28,865
+HK$1,655/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$54,420/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,484
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,248
−HK$775/mo
Today · 4.125%
HK$30,023
baseline
▲ 0.50% · 4.625%
HK$31,606
+HK$1,583/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$60,046/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,919
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,943
−HK$1,041/mo
Today · 4.125%
HK$34,984
baseline
▲ 0.50% · 4.625%
HK$37,112
+HK$2,128/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$69,968/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,623
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,605
−HK$996/mo
Today · 4.125%
HK$38,601
baseline
▲ 0.50% · 4.625%
HK$40,636
+HK$2,035/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,202/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,613 · 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).