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$18,272
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,840
−HK$578/mo
Today · 4.125%
HK$19,418
baseline
▲ 0.50% · 4.625%
HK$20,599
+HK$1,181/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,836/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,327
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,873
−HK$553/mo
Today · 4.125%
HK$21,426
baseline
▲ 0.50% · 4.625%
HK$22,555
+HK$1,129/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,852/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,926
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,608
−HK$693/mo
Today · 4.125%
HK$23,301
baseline
▲ 0.50% · 4.625%
HK$24,719
+HK$1,418/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,602/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,393
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,047
−HK$664/mo
Today · 4.125%
HK$25,711
baseline
▲ 0.50% · 4.625%
HK$27,066
+HK$1,355/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,422/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,581
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,376
−HK$809/mo
Today · 4.125%
HK$27,185
baseline
▲ 0.50% · 4.625%
HK$28,839
+HK$1,654/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,370/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,458
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,222
−HK$774/mo
Today · 4.125%
HK$29,996
baseline
▲ 0.50% · 4.625%
HK$31,577
+HK$1,581/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,992/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,890
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,913
−HK$1,039/mo
Today · 4.125%
HK$34,952
baseline
▲ 0.50% · 4.625%
HK$37,079
+HK$2,127/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,904/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,589
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,571
−HK$995/mo
Today · 4.125%
HK$38,566
baseline
▲ 0.50% · 4.625%
HK$40,599
+HK$2,033/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,132/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,394 · 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).