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$18,376
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,947
−HK$581/mo
Today · 4.125%
HK$19,528
baseline
▲ 0.50% · 4.625%
HK$20,716
+HK$1,188/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,056/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,443
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,991
−HK$556/mo
Today · 4.125%
HK$21,547
baseline
▲ 0.50% · 4.625%
HK$22,683
+HK$1,136/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,094/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,051
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,737
−HK$697/mo
Today · 4.125%
HK$23,434
baseline
▲ 0.50% · 4.625%
HK$24,860
+HK$1,426/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$46,868/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,532
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,189
−HK$668/mo
Today · 4.125%
HK$25,857
baseline
▲ 0.50% · 4.625%
HK$27,220
+HK$1,363/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$51,714/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,726
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,526
−HK$813/mo
Today · 4.125%
HK$27,339
baseline
▲ 0.50% · 4.625%
HK$29,003
+HK$1,664/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,678/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,620
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,388
−HK$778/mo
Today · 4.125%
HK$30,166
baseline
▲ 0.50% · 4.625%
HK$31,756
+HK$1,590/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,332/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,077
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,105
−HK$1,046/mo
Today · 4.125%
HK$35,151
baseline
▲ 0.50% · 4.625%
HK$37,290
+HK$2,139/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$70,302/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,797
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,784
−HK$1,001/mo
Today · 4.125%
HK$38,785
baseline
▲ 0.50% · 4.625%
HK$40,830
+HK$2,045/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$77,570/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,761 · 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).