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$18,278
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,846
−HK$578/mo
Today · 4.125%
HK$19,424
baseline
▲ 0.50% · 4.625%
HK$20,606
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,848/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,334
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,879
−HK$554/mo
Today · 4.125%
HK$21,433
baseline
▲ 0.50% · 4.625%
HK$22,562
+HK$1,129/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,866/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,933
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,616
−HK$693/mo
Today · 4.125%
HK$23,309
baseline
▲ 0.50% · 4.625%
HK$24,727
+HK$1,418/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,618/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,401
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,055
−HK$664/mo
Today · 4.125%
HK$25,719
baseline
▲ 0.50% · 4.625%
HK$27,075
+HK$1,356/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,438/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,589
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,385
−HK$809/mo
Today · 4.125%
HK$27,194
baseline
▲ 0.50% · 4.625%
HK$28,848
+HK$1,654/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,388/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,468
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,231
−HK$775/mo
Today · 4.125%
HK$30,006
baseline
▲ 0.50% · 4.625%
HK$31,587
+HK$1,581/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$60,012/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,900
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,924
−HK$1,039/mo
Today · 4.125%
HK$34,963
baseline
▲ 0.50% · 4.625%
HK$37,091
+HK$2,128/mo
Deposit HK$802K · loan HK$7.21M · min. income ≈ HK$69,926/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,601
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,583
−HK$996/mo
Today · 4.125%
HK$38,579
baseline
▲ 0.50% · 4.625%
HK$40,612
+HK$2,033/mo
Deposit HK$802K · loan HK$7.21M · min. income ≈ HK$77,158/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,472 · 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).