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$18,384
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,956
−HK$581/mo
Today · 4.125%
HK$19,537
baseline
▲ 0.50% · 4.625%
HK$20,725
+HK$1,188/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,074/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,452
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,000
−HK$557/mo
Today · 4.125%
HK$21,557
baseline
▲ 0.50% · 4.625%
HK$22,693
+HK$1,136/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,114/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,061
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,747
−HK$697/mo
Today · 4.125%
HK$23,444
baseline
▲ 0.50% · 4.625%
HK$24,871
+HK$1,427/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$46,888/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,542
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,200
−HK$668/mo
Today · 4.125%
HK$25,868
baseline
▲ 0.50% · 4.625%
HK$27,232
+HK$1,364/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$51,736/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,737
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,538
−HK$813/mo
Today · 4.125%
HK$27,351
baseline
▲ 0.50% · 4.625%
HK$29,016
+HK$1,665/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,702/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,633
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,401
−HK$779/mo
Today · 4.125%
HK$30,180
baseline
▲ 0.50% · 4.625%
HK$31,770
+HK$1,590/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,360/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,091
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,120
−HK$1,046/mo
Today · 4.125%
HK$35,166
baseline
▲ 0.50% · 4.625%
HK$37,306
+HK$2,140/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$70,332/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,813
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,801
−HK$1,001/mo
Today · 4.125%
HK$38,802
baseline
▲ 0.50% · 4.625%
HK$40,848
+HK$2,046/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$77,604/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,867 · 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).