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$18,287
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,856
−HK$578/mo
Today · 4.125%
HK$19,434
baseline
▲ 0.50% · 4.625%
HK$20,616
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,868/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,344
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,890
−HK$553/mo
Today · 4.125%
HK$21,443
baseline
▲ 0.50% · 4.625%
HK$22,573
+HK$1,130/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,886/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,944
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,627
−HK$693/mo
Today · 4.125%
HK$23,320
baseline
▲ 0.50% · 4.625%
HK$24,739
+HK$1,419/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,640/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,413
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,067
−HK$665/mo
Today · 4.125%
HK$25,732
baseline
▲ 0.50% · 4.625%
HK$27,088
+HK$1,356/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,464/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,602
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,398
−HK$809/mo
Today · 4.125%
HK$27,207
baseline
▲ 0.50% · 4.625%
HK$28,863
+HK$1,656/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$54,414/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,482
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,245
−HK$775/mo
Today · 4.125%
HK$30,020
baseline
▲ 0.50% · 4.625%
HK$31,603
+HK$1,583/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$60,040/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,916
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,940
−HK$1,040/mo
Today · 4.125%
HK$34,980
baseline
▲ 0.50% · 4.625%
HK$37,109
+HK$2,129/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$69,960/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,619
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,601
−HK$996/mo
Today · 4.125%
HK$38,597
baseline
▲ 0.50% · 4.625%
HK$40,632
+HK$2,035/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,194/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,590 · 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).