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$18,302
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,871
−HK$579/mo
Today · 4.125%
HK$19,450
baseline
▲ 0.50% · 4.625%
HK$20,633
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,900/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,361
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,907
−HK$554/mo
Today · 4.125%
HK$21,461
baseline
▲ 0.50% · 4.625%
HK$22,592
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,922/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,962
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,645
−HK$694/mo
Today · 4.125%
HK$23,339
baseline
▲ 0.50% · 4.625%
HK$24,760
+HK$1,421/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,678/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,433
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,088
−HK$665/mo
Today · 4.125%
HK$25,753
baseline
▲ 0.50% · 4.625%
HK$27,110
+HK$1,357/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,506/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,623
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,420
−HK$809/mo
Today · 4.125%
HK$27,229
baseline
▲ 0.50% · 4.625%
HK$28,886
+HK$1,657/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,458/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,505
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,269
−HK$776/mo
Today · 4.125%
HK$30,045
baseline
▲ 0.50% · 4.625%
HK$31,629
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,090/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,943
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,968
−HK$1,041/mo
Today · 4.125%
HK$35,009
baseline
▲ 0.50% · 4.625%
HK$37,139
+HK$2,130/mo
Deposit HK$803K · loan HK$7.22M · min. income ≈ HK$70,018/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,649
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,632
−HK$997/mo
Today · 4.125%
HK$38,629
baseline
▲ 0.50% · 4.625%
HK$40,665
+HK$2,036/mo
Deposit HK$803K · loan HK$7.22M · min. income ≈ HK$77,258/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,787 · 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).