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$18,272
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,841
−HK$577/mo
Today · 4.125%
HK$19,418
baseline
▲ 0.50% · 4.625%
HK$20,600
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,836/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,328
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,873
−HK$553/mo
Today · 4.125%
HK$21,426
baseline
▲ 0.50% · 4.625%
HK$22,555
+HK$1,129/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,852/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,927
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,609
−HK$693/mo
Today · 4.125%
HK$23,302
baseline
▲ 0.50% · 4.625%
HK$24,720
+HK$1,418/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,604/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,393
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,048
−HK$663/mo
Today · 4.125%
HK$25,711
baseline
▲ 0.50% · 4.625%
HK$27,067
+HK$1,356/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,422/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,581
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,377
−HK$808/mo
Today · 4.125%
HK$27,185
baseline
▲ 0.50% · 4.625%
HK$28,840
+HK$1,655/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,370/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,459
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,222
−HK$775/mo
Today · 4.125%
HK$29,997
baseline
▲ 0.50% · 4.625%
HK$31,578
+HK$1,581/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,994/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,890
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,913
−HK$1,040/mo
Today · 4.125%
HK$34,953
baseline
▲ 0.50% · 4.625%
HK$37,080
+HK$2,127/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,906/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,590
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,571
−HK$996/mo
Today · 4.125%
HK$38,567
baseline
▲ 0.50% · 4.625%
HK$40,600
+HK$2,033/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,134/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,399 · 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).