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$18,285
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,854
−HK$578/mo
Today · 4.125%
HK$19,432
baseline
▲ 0.50% · 4.625%
HK$20,614
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,864/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,342
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,888
−HK$553/mo
Today · 4.125%
HK$21,441
baseline
▲ 0.50% · 4.625%
HK$22,571
+HK$1,130/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,882/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,942
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,625
−HK$693/mo
Today · 4.125%
HK$23,318
baseline
▲ 0.50% · 4.625%
HK$24,737
+HK$1,419/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,636/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,410
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,065
−HK$664/mo
Today · 4.125%
HK$25,729
baseline
▲ 0.50% · 4.625%
HK$27,085
+HK$1,356/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,458/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,599
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,395
−HK$809/mo
Today · 4.125%
HK$27,204
baseline
▲ 0.50% · 4.625%
HK$28,860
+HK$1,656/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$54,408/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,479
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,243
−HK$774/mo
Today · 4.125%
HK$30,017
baseline
▲ 0.50% · 4.625%
HK$31,600
+HK$1,583/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$60,034/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,913
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,937
−HK$1,040/mo
Today · 4.125%
HK$34,977
baseline
▲ 0.50% · 4.625%
HK$37,105
+HK$2,128/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$69,954/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,616
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,598
−HK$996/mo
Today · 4.125%
HK$38,594
baseline
▲ 0.50% · 4.625%
HK$40,628
+HK$2,034/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,188/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,566 · 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).