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$18,298
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,867
−HK$579/mo
Today · 4.125%
HK$19,446
baseline
▲ 0.50% · 4.625%
HK$20,629
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,892/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,357
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,902
−HK$554/mo
Today · 4.125%
HK$21,456
baseline
▲ 0.50% · 4.625%
HK$22,587
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,912/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,958
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,641
−HK$694/mo
Today · 4.125%
HK$23,335
baseline
▲ 0.50% · 4.625%
HK$24,755
+HK$1,420/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,670/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,428
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,083
−HK$665/mo
Today · 4.125%
HK$25,748
baseline
▲ 0.50% · 4.625%
HK$27,105
+HK$1,357/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,496/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,617
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,414
−HK$810/mo
Today · 4.125%
HK$27,224
baseline
▲ 0.50% · 4.625%
HK$28,880
+HK$1,656/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,448/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,499
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,263
−HK$776/mo
Today · 4.125%
HK$30,039
baseline
▲ 0.50% · 4.625%
HK$31,622
+HK$1,583/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,078/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,937
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,961
−HK$1,041/mo
Today · 4.125%
HK$35,002
baseline
▲ 0.50% · 4.625%
HK$37,132
+HK$2,130/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$70,004/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,642
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,624
−HK$997/mo
Today · 4.125%
HK$38,621
baseline
▲ 0.50% · 4.625%
HK$40,657
+HK$2,036/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,242/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,739 · 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).