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$18,308
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,878
−HK$578/mo
Today · 4.125%
HK$19,456
baseline
▲ 0.50% · 4.625%
HK$20,640
+HK$1,184/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,912/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,367
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,914
−HK$554/mo
Today · 4.125%
HK$21,468
baseline
▲ 0.50% · 4.625%
HK$22,599
+HK$1,131/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,936/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,970
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,653
−HK$694/mo
Today · 4.125%
HK$23,347
baseline
▲ 0.50% · 4.625%
HK$24,768
+HK$1,421/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,694/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,441
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,096
−HK$665/mo
Today · 4.125%
HK$25,761
baseline
▲ 0.50% · 4.625%
HK$27,119
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,522/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,631
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,429
−HK$810/mo
Today · 4.125%
HK$27,239
baseline
▲ 0.50% · 4.625%
HK$28,896
+HK$1,657/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,478/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,514
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,279
−HK$776/mo
Today · 4.125%
HK$30,055
baseline
▲ 0.50% · 4.625%
HK$31,639
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,110/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,954
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,980
−HK$1,041/mo
Today · 4.125%
HK$35,021
baseline
▲ 0.50% · 4.625%
HK$37,152
+HK$2,131/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,042/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,661
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,645
−HK$997/mo
Today · 4.125%
HK$38,642
baseline
▲ 0.50% · 4.625%
HK$40,679
+HK$2,037/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,284/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,868 · 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).