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$18,276
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,845
−HK$577/mo
Today · 4.125%
HK$19,422
baseline
▲ 0.50% · 4.625%
HK$20,604
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,844/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,332
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,877
−HK$554/mo
Today · 4.125%
HK$21,431
baseline
▲ 0.50% · 4.625%
HK$22,560
+HK$1,129/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,862/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,931
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,614
−HK$693/mo
Today · 4.125%
HK$23,307
baseline
▲ 0.50% · 4.625%
HK$24,725
+HK$1,418/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,614/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,399
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,053
−HK$664/mo
Today · 4.125%
HK$25,717
baseline
▲ 0.50% · 4.625%
HK$27,072
+HK$1,355/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,434/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,587
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,383
−HK$808/mo
Today · 4.125%
HK$27,191
baseline
▲ 0.50% · 4.625%
HK$28,846
+HK$1,655/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,382/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,465
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,228
−HK$775/mo
Today · 4.125%
HK$30,003
baseline
▲ 0.50% · 4.625%
HK$31,584
+HK$1,581/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$60,006/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,897
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,920
−HK$1,040/mo
Today · 4.125%
HK$34,960
baseline
▲ 0.50% · 4.625%
HK$37,087
+HK$2,127/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,920/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,598
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,579
−HK$996/mo
Today · 4.125%
HK$38,575
baseline
▲ 0.50% · 4.625%
HK$40,608
+HK$2,033/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,150/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,450 · 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).