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$18,290
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,859
−HK$578/mo
Today · 4.125%
HK$19,437
baseline
▲ 0.50% · 4.625%
HK$20,619
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,874/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,347
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,893
−HK$554/mo
Today · 4.125%
HK$21,447
baseline
▲ 0.50% · 4.625%
HK$22,577
+HK$1,130/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,894/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,948
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,630
−HK$694/mo
Today · 4.125%
HK$23,324
baseline
▲ 0.50% · 4.625%
HK$24,743
+HK$1,419/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,648/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,417
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,072
−HK$664/mo
Today · 4.125%
HK$25,736
baseline
▲ 0.50% · 4.625%
HK$27,092
+HK$1,356/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,472/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,606
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,402
−HK$809/mo
Today · 4.125%
HK$27,211
baseline
▲ 0.50% · 4.625%
HK$28,867
+HK$1,656/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$54,422/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,486
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,250
−HK$775/mo
Today · 4.125%
HK$30,025
baseline
▲ 0.50% · 4.625%
HK$31,608
+HK$1,583/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$60,050/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,922
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,946
−HK$1,040/mo
Today · 4.125%
HK$34,986
baseline
▲ 0.50% · 4.625%
HK$37,115
+HK$2,129/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$69,972/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,625
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,607
−HK$997/mo
Today · 4.125%
HK$38,604
baseline
▲ 0.50% · 4.625%
HK$40,639
+HK$2,035/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,208/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,629 · 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).