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$18,291
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,860
−HK$578/mo
Today · 4.125%
HK$19,438
baseline
▲ 0.50% · 4.625%
HK$20,621
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,876/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,349
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,894
−HK$554/mo
Today · 4.125%
HK$21,448
baseline
▲ 0.50% · 4.625%
HK$22,579
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,896/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,949
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,632
−HK$694/mo
Today · 4.125%
HK$23,326
baseline
▲ 0.50% · 4.625%
HK$24,745
+HK$1,419/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,652/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,418
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,073
−HK$665/mo
Today · 4.125%
HK$25,738
baseline
▲ 0.50% · 4.625%
HK$27,094
+HK$1,356/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,476/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,607
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,404
−HK$809/mo
Today · 4.125%
HK$27,213
baseline
▲ 0.50% · 4.625%
HK$28,869
+HK$1,656/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,426/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,488
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,252
−HK$775/mo
Today · 4.125%
HK$30,027
baseline
▲ 0.50% · 4.625%
HK$31,610
+HK$1,583/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,054/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,924
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,948
−HK$1,040/mo
Today · 4.125%
HK$34,988
baseline
▲ 0.50% · 4.625%
HK$37,117
+HK$2,129/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$69,976/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,627
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,610
−HK$996/mo
Today · 4.125%
HK$38,606
baseline
▲ 0.50% · 4.625%
HK$40,641
+HK$2,035/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,212/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,645 · 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).