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$18,368
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,940
−HK$580/mo
Today · 4.125%
HK$19,520
baseline
▲ 0.50% · 4.625%
HK$20,708
+HK$1,188/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,040/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,434
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,983
−HK$556/mo
Today · 4.125%
HK$21,539
baseline
▲ 0.50% · 4.625%
HK$22,674
+HK$1,135/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,078/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,042
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,728
−HK$696/mo
Today · 4.125%
HK$23,424
baseline
▲ 0.50% · 4.625%
HK$24,849
+HK$1,425/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,848/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,521
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,179
−HK$667/mo
Today · 4.125%
HK$25,846
baseline
▲ 0.50% · 4.625%
HK$27,209
+HK$1,363/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,692/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,716
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,515
−HK$813/mo
Today · 4.125%
HK$27,328
baseline
▲ 0.50% · 4.625%
HK$28,991
+HK$1,663/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,656/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,608
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,376
−HK$778/mo
Today · 4.125%
HK$30,154
baseline
▲ 0.50% · 4.625%
HK$31,743
+HK$1,589/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,308/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,063
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,091
−HK$1,045/mo
Today · 4.125%
HK$35,136
baseline
▲ 0.50% · 4.625%
HK$37,274
+HK$2,138/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$70,272/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,782
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,769
−HK$1,000/mo
Today · 4.125%
HK$38,769
baseline
▲ 0.50% · 4.625%
HK$40,813
+HK$2,044/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$77,538/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,661 · 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).