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$18,295
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,864
−HK$578/mo
Today · 4.125%
HK$19,442
baseline
▲ 0.50% · 4.625%
HK$20,625
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,884/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,353
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,898
−HK$554/mo
Today · 4.125%
HK$21,452
baseline
▲ 0.50% · 4.625%
HK$22,583
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,904/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,954
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,636
−HK$694/mo
Today · 4.125%
HK$23,330
baseline
▲ 0.50% · 4.625%
HK$24,750
+HK$1,420/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,660/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,423
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,078
−HK$665/mo
Today · 4.125%
HK$25,743
baseline
▲ 0.50% · 4.625%
HK$27,100
+HK$1,357/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,486/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,612
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,409
−HK$810/mo
Today · 4.125%
HK$27,219
baseline
▲ 0.50% · 4.625%
HK$28,875
+HK$1,656/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,438/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,494
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,258
−HK$775/mo
Today · 4.125%
HK$30,033
baseline
▲ 0.50% · 4.625%
HK$31,616
+HK$1,583/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,066/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,930
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,955
−HK$1,040/mo
Today · 4.125%
HK$34,995
baseline
▲ 0.50% · 4.625%
HK$37,125
+HK$2,130/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$69,990/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,635
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,617
−HK$997/mo
Today · 4.125%
HK$38,614
baseline
▲ 0.50% · 4.625%
HK$40,649
+HK$2,035/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,228/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,692 · 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).