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$18,347
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,917
−HK$580/mo
Today · 4.125%
HK$19,497
baseline
▲ 0.50% · 4.625%
HK$20,683
+HK$1,186/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,994/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,410
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,958
−HK$555/mo
Today · 4.125%
HK$21,513
baseline
▲ 0.50% · 4.625%
HK$22,647
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,026/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,016
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,701
−HK$696/mo
Today · 4.125%
HK$23,397
baseline
▲ 0.50% · 4.625%
HK$24,820
+HK$1,423/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,794/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,493
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,149
−HK$667/mo
Today · 4.125%
HK$25,816
baseline
▲ 0.50% · 4.625%
HK$27,177
+HK$1,361/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,632/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,685
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,484
−HK$812/mo
Today · 4.125%
HK$27,296
baseline
▲ 0.50% · 4.625%
HK$28,957
+HK$1,661/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,592/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,575
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,341
−HK$777/mo
Today · 4.125%
HK$30,118
baseline
▲ 0.50% · 4.625%
HK$31,706
+HK$1,588/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,236/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,024
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,051
−HK$1,044/mo
Today · 4.125%
HK$35,095
baseline
▲ 0.50% · 4.625%
HK$37,230
+HK$2,135/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$70,190/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,739
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,724
−HK$1,000/mo
Today · 4.125%
HK$38,724
baseline
▲ 0.50% · 4.625%
HK$40,765
+HK$2,041/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$77,448/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,376 · 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).