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$18,274
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,842
−HK$578/mo
Today · 4.125%
HK$19,420
baseline
▲ 0.50% · 4.625%
HK$20,602
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,840/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,330
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,875
−HK$553/mo
Today · 4.125%
HK$21,428
baseline
▲ 0.50% · 4.625%
HK$22,557
+HK$1,129/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,856/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,929
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,611
−HK$693/mo
Today · 4.125%
HK$23,304
baseline
▲ 0.50% · 4.625%
HK$24,722
+HK$1,418/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,608/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,396
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,050
−HK$664/mo
Today · 4.125%
HK$25,714
baseline
▲ 0.50% · 4.625%
HK$27,069
+HK$1,355/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,428/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,584
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,379
−HK$809/mo
Today · 4.125%
HK$27,188
baseline
▲ 0.50% · 4.625%
HK$28,842
+HK$1,654/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,376/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,461
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,225
−HK$774/mo
Today · 4.125%
HK$29,999
baseline
▲ 0.50% · 4.625%
HK$31,580
+HK$1,581/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,998/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,893
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,916
−HK$1,040/mo
Today · 4.125%
HK$34,956
baseline
▲ 0.50% · 4.625%
HK$37,083
+HK$2,127/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,912/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,593
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,575
−HK$995/mo
Today · 4.125%
HK$38,570
baseline
▲ 0.50% · 4.625%
HK$40,603
+HK$2,033/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,140/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,420 · 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).