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$18,269
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,837
−HK$577/mo
Today · 4.125%
HK$19,414
baseline
▲ 0.50% · 4.625%
HK$20,596
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,828/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,324
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,869
−HK$553/mo
Today · 4.125%
HK$21,422
baseline
▲ 0.50% · 4.625%
HK$22,551
+HK$1,129/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,844/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,923
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,604
−HK$693/mo
Today · 4.125%
HK$23,297
baseline
▲ 0.50% · 4.625%
HK$24,715
+HK$1,418/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$46,594/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,389
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,043
−HK$663/mo
Today · 4.125%
HK$25,706
baseline
▲ 0.50% · 4.625%
HK$27,061
+HK$1,355/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$51,412/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,576
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,372
−HK$808/mo
Today · 4.125%
HK$27,180
baseline
▲ 0.50% · 4.625%
HK$28,834
+HK$1,654/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,360/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,453
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,216
−HK$775/mo
Today · 4.125%
HK$29,991
baseline
▲ 0.50% · 4.625%
HK$31,571
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,982/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,884
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,907
−HK$1,039/mo
Today · 4.125%
HK$34,946
baseline
▲ 0.50% · 4.625%
HK$37,072
+HK$2,126/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,892/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,583
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,564
−HK$995/mo
Today · 4.125%
HK$38,559
baseline
▲ 0.50% · 4.625%
HK$40,592
+HK$2,033/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,118/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,352 · 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).