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$18,299
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,869
−HK$578/mo
Today · 4.125%
HK$19,447
baseline
▲ 0.50% · 4.625%
HK$20,630
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,894/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,358
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,904
−HK$554/mo
Today · 4.125%
HK$21,458
baseline
▲ 0.50% · 4.625%
HK$22,589
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,916/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,959
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,642
−HK$694/mo
Today · 4.125%
HK$23,336
baseline
▲ 0.50% · 4.625%
HK$24,756
+HK$1,420/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,672/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,429
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,085
−HK$664/mo
Today · 4.125%
HK$25,749
baseline
▲ 0.50% · 4.625%
HK$27,107
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,498/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,619
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,416
−HK$810/mo
Today · 4.125%
HK$27,226
baseline
▲ 0.50% · 4.625%
HK$28,882
+HK$1,656/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,452/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,501
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,265
−HK$776/mo
Today · 4.125%
HK$30,041
baseline
▲ 0.50% · 4.625%
HK$31,624
+HK$1,583/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,082/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,939
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,963
−HK$1,041/mo
Today · 4.125%
HK$35,004
baseline
▲ 0.50% · 4.625%
HK$37,134
+HK$2,130/mo
Deposit HK$803K · loan HK$7.22M · min. income ≈ HK$70,008/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,644
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,627
−HK$997/mo
Today · 4.125%
HK$38,624
baseline
▲ 0.50% · 4.625%
HK$40,660
+HK$2,036/mo
Deposit HK$803K · loan HK$7.22M · min. income ≈ HK$77,248/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,754 · 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).