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$18,360
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,931
−HK$580/mo
Today · 4.125%
HK$19,511
baseline
▲ 0.50% · 4.625%
HK$20,698
+HK$1,187/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,022/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,425
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,973
−HK$556/mo
Today · 4.125%
HK$21,529
baseline
▲ 0.50% · 4.625%
HK$22,663
+HK$1,134/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,058/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,032
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,717
−HK$696/mo
Today · 4.125%
HK$23,413
baseline
▲ 0.50% · 4.625%
HK$24,838
+HK$1,425/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,826/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,510
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,167
−HK$667/mo
Today · 4.125%
HK$25,834
baseline
▲ 0.50% · 4.625%
HK$27,196
+HK$1,362/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,668/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,704
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,503
−HK$813/mo
Today · 4.125%
HK$27,316
baseline
▲ 0.50% · 4.625%
HK$28,978
+HK$1,662/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,632/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,595
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,362
−HK$778/mo
Today · 4.125%
HK$30,140
baseline
▲ 0.50% · 4.625%
HK$31,729
+HK$1,589/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,280/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,048
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,076
−HK$1,044/mo
Today · 4.125%
HK$35,120
baseline
▲ 0.50% · 4.625%
HK$37,257
+HK$2,137/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$70,240/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,765
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,751
−HK$1,000/mo
Today · 4.125%
HK$38,751
baseline
▲ 0.50% · 4.625%
HK$40,794
+HK$2,043/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$77,502/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,549 · 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).