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$18,297
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,866
−HK$578/mo
Today · 4.125%
HK$19,444
baseline
▲ 0.50% · 4.625%
HK$20,628
+HK$1,184/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,888/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,355
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,901
−HK$554/mo
Today · 4.125%
HK$21,455
baseline
▲ 0.50% · 4.625%
HK$22,586
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,910/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,956
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,639
−HK$694/mo
Today · 4.125%
HK$23,333
baseline
▲ 0.50% · 4.625%
HK$24,753
+HK$1,420/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,666/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,426
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,081
−HK$665/mo
Today · 4.125%
HK$25,746
baseline
▲ 0.50% · 4.625%
HK$27,103
+HK$1,357/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,492/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,616
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,413
−HK$809/mo
Today · 4.125%
HK$27,222
baseline
▲ 0.50% · 4.625%
HK$28,879
+HK$1,657/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,444/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,497
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,262
−HK$775/mo
Today · 4.125%
HK$30,037
baseline
▲ 0.50% · 4.625%
HK$31,620
+HK$1,583/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,074/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,935
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,959
−HK$1,041/mo
Today · 4.125%
HK$35,000
baseline
▲ 0.50% · 4.625%
HK$37,130
+HK$2,130/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$70,000/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,640
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,622
−HK$997/mo
Today · 4.125%
HK$38,619
baseline
▲ 0.50% · 4.625%
HK$40,655
+HK$2,036/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,238/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,724 · 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).