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$18,301
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,871
−HK$578/mo
Today · 4.125%
HK$19,449
baseline
▲ 0.50% · 4.625%
HK$20,632
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,898/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,360
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,906
−HK$554/mo
Today · 4.125%
HK$21,460
baseline
▲ 0.50% · 4.625%
HK$22,591
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,920/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,962
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,645
−HK$694/mo
Today · 4.125%
HK$23,339
baseline
▲ 0.50% · 4.625%
HK$24,759
+HK$1,420/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,678/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,432
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,087
−HK$665/mo
Today · 4.125%
HK$25,752
baseline
▲ 0.50% · 4.625%
HK$27,110
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,504/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,622
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,419
−HK$810/mo
Today · 4.125%
HK$27,229
baseline
▲ 0.50% · 4.625%
HK$28,885
+HK$1,656/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,458/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,504
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,269
−HK$775/mo
Today · 4.125%
HK$30,044
baseline
▲ 0.50% · 4.625%
HK$31,628
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,088/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,942
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,967
−HK$1,041/mo
Today · 4.125%
HK$35,008
baseline
▲ 0.50% · 4.625%
HK$37,138
+HK$2,130/mo
Deposit HK$803K · loan HK$7.22M · min. income ≈ HK$70,016/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,648
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,631
−HK$997/mo
Today · 4.125%
HK$38,628
baseline
▲ 0.50% · 4.625%
HK$40,664
+HK$2,036/mo
Deposit HK$803K · loan HK$7.22M · min. income ≈ HK$77,256/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,781 · 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).