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$18,359
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,930
−HK$580/mo
Today · 4.125%
HK$19,510
baseline
▲ 0.50% · 4.625%
HK$20,697
+HK$1,187/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,020/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,424
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,972
−HK$555/mo
Today · 4.125%
HK$21,527
baseline
▲ 0.50% · 4.625%
HK$22,662
+HK$1,135/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,054/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,031
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,716
−HK$696/mo
Today · 4.125%
HK$23,412
baseline
▲ 0.50% · 4.625%
HK$24,837
+HK$1,425/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,824/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,509
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,166
−HK$667/mo
Today · 4.125%
HK$25,833
baseline
▲ 0.50% · 4.625%
HK$27,195
+HK$1,362/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,666/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,702
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,502
−HK$812/mo
Today · 4.125%
HK$27,314
baseline
▲ 0.50% · 4.625%
HK$28,976
+HK$1,662/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,628/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,594
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,360
−HK$778/mo
Today · 4.125%
HK$30,138
baseline
▲ 0.50% · 4.625%
HK$31,727
+HK$1,589/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,276/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,046
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,074
−HK$1,044/mo
Today · 4.125%
HK$35,118
baseline
▲ 0.50% · 4.625%
HK$37,255
+HK$2,137/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$70,236/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,763
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,749
−HK$1,000/mo
Today · 4.125%
HK$38,749
baseline
▲ 0.50% · 4.625%
HK$40,792
+HK$2,043/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$77,498/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,536 · 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).