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$18,393
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,965
−HK$582/mo
Today · 4.125%
HK$19,547
baseline
▲ 0.50% · 4.625%
HK$20,736
+HK$1,189/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,094/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$241,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,462
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,011
−HK$557/mo
Today · 4.125%
HK$21,568
baseline
▲ 0.50% · 4.625%
HK$22,705
+HK$1,137/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,136/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$241,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,072
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,759
−HK$697/mo
Today · 4.125%
HK$23,456
baseline
▲ 0.50% · 4.625%
HK$24,883
+HK$1,427/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,912/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,555
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,213
−HK$669/mo
Today · 4.125%
HK$25,882
baseline
▲ 0.50% · 4.625%
HK$27,246
+HK$1,364/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,764/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,751
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,552
−HK$813/mo
Today · 4.125%
HK$27,365
baseline
▲ 0.50% · 4.625%
HK$29,031
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,730/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,647
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,416
−HK$779/mo
Today · 4.125%
HK$30,195
baseline
▲ 0.50% · 4.625%
HK$31,787
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,390/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,108
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,138
−HK$1,046/mo
Today · 4.125%
HK$35,184
baseline
▲ 0.50% · 4.625%
HK$37,325
+HK$2,141/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,368/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,832
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,820
−HK$1,002/mo
Today · 4.125%
HK$38,822
baseline
▲ 0.50% · 4.625%
HK$40,869
+HK$2,047/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,644/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,991 · 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).