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$18,275
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,843
−HK$578/mo
Today · 4.125%
HK$19,421
baseline
▲ 0.50% · 4.625%
HK$20,603
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,842/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,331
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,876
−HK$553/mo
Today · 4.125%
HK$21,429
baseline
▲ 0.50% · 4.625%
HK$22,559
+HK$1,130/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,858/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,930
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,612
−HK$693/mo
Today · 4.125%
HK$23,305
baseline
▲ 0.50% · 4.625%
HK$24,723
+HK$1,418/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,610/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,397
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,051
−HK$664/mo
Today · 4.125%
HK$25,715
baseline
▲ 0.50% · 4.625%
HK$27,070
+HK$1,355/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,430/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,585
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,381
−HK$808/mo
Today · 4.125%
HK$27,189
baseline
▲ 0.50% · 4.625%
HK$28,844
+HK$1,655/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,378/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,463
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,226
−HK$775/mo
Today · 4.125%
HK$30,001
baseline
▲ 0.50% · 4.625%
HK$31,582
+HK$1,581/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$60,002/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,895
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,918
−HK$1,040/mo
Today · 4.125%
HK$34,958
baseline
▲ 0.50% · 4.625%
HK$37,085
+HK$2,127/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,916/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,595
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,577
−HK$995/mo
Today · 4.125%
HK$38,572
baseline
▲ 0.50% · 4.625%
HK$40,605
+HK$2,033/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,144/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,432 · 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).