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$18,374
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,945
−HK$581/mo
Today · 4.125%
HK$19,526
baseline
▲ 0.50% · 4.625%
HK$20,714
+HK$1,188/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,052/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,440
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,989
−HK$556/mo
Today · 4.125%
HK$21,545
baseline
▲ 0.50% · 4.625%
HK$22,680
+HK$1,135/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,090/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,048
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,734
−HK$697/mo
Today · 4.125%
HK$23,431
baseline
▲ 0.50% · 4.625%
HK$24,857
+HK$1,426/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,862/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,528
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,186
−HK$668/mo
Today · 4.125%
HK$25,854
baseline
▲ 0.50% · 4.625%
HK$27,216
+HK$1,362/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,708/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,723
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,523
−HK$813/mo
Today · 4.125%
HK$27,336
baseline
▲ 0.50% · 4.625%
HK$28,999
+HK$1,663/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,672/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,616
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,384
−HK$779/mo
Today · 4.125%
HK$30,163
baseline
▲ 0.50% · 4.625%
HK$31,752
+HK$1,589/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,326/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,072
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,101
−HK$1,045/mo
Today · 4.125%
HK$35,146
baseline
▲ 0.50% · 4.625%
HK$37,285
+HK$2,139/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$70,292/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,793
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,779
−HK$1,001/mo
Today · 4.125%
HK$38,780
baseline
▲ 0.50% · 4.625%
HK$40,825
+HK$2,045/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$77,560/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,730 · 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).