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$18,279
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,848
−HK$577/mo
Today · 4.125%
HK$19,425
baseline
▲ 0.50% · 4.625%
HK$20,607
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,850/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,335
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,881
−HK$553/mo
Today · 4.125%
HK$21,434
baseline
▲ 0.50% · 4.625%
HK$22,564
+HK$1,130/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,868/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,935
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,617
−HK$693/mo
Today · 4.125%
HK$23,310
baseline
▲ 0.50% · 4.625%
HK$24,729
+HK$1,419/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,620/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,402
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,057
−HK$664/mo
Today · 4.125%
HK$25,721
baseline
▲ 0.50% · 4.625%
HK$27,076
+HK$1,355/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,442/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,591
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,387
−HK$808/mo
Today · 4.125%
HK$27,195
baseline
▲ 0.50% · 4.625%
HK$28,850
+HK$1,655/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,390/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,469
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,233
−HK$774/mo
Today · 4.125%
HK$30,007
baseline
▲ 0.50% · 4.625%
HK$31,589
+HK$1,582/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$60,014/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,902
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,926
−HK$1,039/mo
Today · 4.125%
HK$34,965
baseline
▲ 0.50% · 4.625%
HK$37,093
+HK$2,128/mo
Deposit HK$802K · loan HK$7.21M · min. income ≈ HK$69,930/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,603
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,585
−HK$996/mo
Today · 4.125%
HK$38,581
baseline
▲ 0.50% · 4.625%
HK$40,614
+HK$2,033/mo
Deposit HK$802K · loan HK$7.21M · min. income ≈ HK$77,162/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,486 · 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).