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$18,277
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,846
−HK$577/mo
Today · 4.125%
HK$19,423
baseline
▲ 0.50% · 4.625%
HK$20,605
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,846/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,333
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,879
−HK$553/mo
Today · 4.125%
HK$21,432
baseline
▲ 0.50% · 4.625%
HK$22,562
+HK$1,130/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,864/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,933
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,615
−HK$693/mo
Today · 4.125%
HK$23,308
baseline
▲ 0.50% · 4.625%
HK$24,726
+HK$1,418/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,616/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,400
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,054
−HK$664/mo
Today · 4.125%
HK$25,718
baseline
▲ 0.50% · 4.625%
HK$27,074
+HK$1,356/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,436/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,588
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,384
−HK$809/mo
Today · 4.125%
HK$27,193
baseline
▲ 0.50% · 4.625%
HK$28,847
+HK$1,654/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,386/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,467
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,230
−HK$775/mo
Today · 4.125%
HK$30,005
baseline
▲ 0.50% · 4.625%
HK$31,586
+HK$1,581/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$60,010/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,899
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,922
−HK$1,040/mo
Today · 4.125%
HK$34,962
baseline
▲ 0.50% · 4.625%
HK$37,089
+HK$2,127/mo
Deposit HK$802K · loan HK$7.21M · min. income ≈ HK$69,924/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,600
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,581
−HK$996/mo
Today · 4.125%
HK$38,577
baseline
▲ 0.50% · 4.625%
HK$40,611
+HK$2,034/mo
Deposit HK$802K · loan HK$7.21M · min. income ≈ HK$77,154/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,464 · 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).