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$18,300
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,869
−HK$579/mo
Today · 4.125%
HK$19,448
baseline
▲ 0.50% · 4.625%
HK$20,631
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,896/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,359
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,905
−HK$554/mo
Today · 4.125%
HK$21,459
baseline
▲ 0.50% · 4.625%
HK$22,590
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,918/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,960
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,643
−HK$694/mo
Today · 4.125%
HK$23,337
baseline
▲ 0.50% · 4.625%
HK$24,757
+HK$1,420/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,674/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,430
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,086
−HK$664/mo
Today · 4.125%
HK$25,750
baseline
▲ 0.50% · 4.625%
HK$27,108
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,500/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,620
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,417
−HK$810/mo
Today · 4.125%
HK$27,227
baseline
▲ 0.50% · 4.625%
HK$28,883
+HK$1,656/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,454/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,502
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,267
−HK$775/mo
Today · 4.125%
HK$30,042
baseline
▲ 0.50% · 4.625%
HK$31,626
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,084/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,940
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,965
−HK$1,041/mo
Today · 4.125%
HK$35,006
baseline
▲ 0.50% · 4.625%
HK$37,136
+HK$2,130/mo
Deposit HK$803K · loan HK$7.22M · min. income ≈ HK$70,012/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,646
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,628
−HK$998/mo
Today · 4.125%
HK$38,626
baseline
▲ 0.50% · 4.625%
HK$40,662
+HK$2,036/mo
Deposit HK$803K · loan HK$7.22M · min. income ≈ HK$77,252/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,764 · 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).