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$18,366
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,937
−HK$581/mo
Today · 4.125%
HK$19,518
baseline
▲ 0.50% · 4.625%
HK$20,705
+HK$1,187/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,036/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,432
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,980
−HK$556/mo
Today · 4.125%
HK$21,536
baseline
▲ 0.50% · 4.625%
HK$22,671
+HK$1,135/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,072/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,039
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,725
−HK$696/mo
Today · 4.125%
HK$23,421
baseline
▲ 0.50% · 4.625%
HK$24,846
+HK$1,425/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,842/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,518
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,176
−HK$667/mo
Today · 4.125%
HK$25,843
baseline
▲ 0.50% · 4.625%
HK$27,205
+HK$1,362/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,686/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,712
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,512
−HK$813/mo
Today · 4.125%
HK$27,325
baseline
▲ 0.50% · 4.625%
HK$28,987
+HK$1,662/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,650/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,605
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,372
−HK$778/mo
Today · 4.125%
HK$30,150
baseline
▲ 0.50% · 4.625%
HK$31,739
+HK$1,589/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,300/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,059
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,087
−HK$1,045/mo
Today · 4.125%
HK$35,132
baseline
▲ 0.50% · 4.625%
HK$37,270
+HK$2,138/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$70,264/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,778
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,764
−HK$1,001/mo
Today · 4.125%
HK$38,765
baseline
▲ 0.50% · 4.625%
HK$40,808
+HK$2,043/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$77,530/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,631 · 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).