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$18,296
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,865
−HK$578/mo
Today · 4.125%
HK$19,443
baseline
▲ 0.50% · 4.625%
HK$20,626
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,886/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,354
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,900
−HK$554/mo
Today · 4.125%
HK$21,454
baseline
▲ 0.50% · 4.625%
HK$22,585
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,908/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,955
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,638
−HK$694/mo
Today · 4.125%
HK$23,332
baseline
▲ 0.50% · 4.625%
HK$24,752
+HK$1,420/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,664/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,425
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,080
−HK$664/mo
Today · 4.125%
HK$25,744
baseline
▲ 0.50% · 4.625%
HK$27,102
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,488/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,614
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,411
−HK$810/mo
Today · 4.125%
HK$27,221
baseline
▲ 0.50% · 4.625%
HK$28,877
+HK$1,656/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,442/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,496
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,260
−HK$775/mo
Today · 4.125%
HK$30,035
baseline
▲ 0.50% · 4.625%
HK$31,618
+HK$1,583/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,070/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,933
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,957
−HK$1,041/mo
Today · 4.125%
HK$34,998
baseline
▲ 0.50% · 4.625%
HK$37,127
+HK$2,129/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$69,996/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,637
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,620
−HK$997/mo
Today · 4.125%
HK$38,617
baseline
▲ 0.50% · 4.625%
HK$40,652
+HK$2,035/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,234/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,710 · 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).