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$18,349
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,920
−HK$580/mo
Today · 4.125%
HK$19,500
baseline
▲ 0.50% · 4.625%
HK$20,686
+HK$1,186/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$39,000/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,413
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,961
−HK$555/mo
Today · 4.125%
HK$21,516
baseline
▲ 0.50% · 4.625%
HK$22,650
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,032/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,019
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,704
−HK$696/mo
Today · 4.125%
HK$23,400
baseline
▲ 0.50% · 4.625%
HK$24,824
+HK$1,424/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,800/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,496
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,153
−HK$666/mo
Today · 4.125%
HK$25,819
baseline
▲ 0.50% · 4.625%
HK$27,180
+HK$1,361/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,638/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,689
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,488
−HK$812/mo
Today · 4.125%
HK$27,300
baseline
▲ 0.50% · 4.625%
HK$28,961
+HK$1,661/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,600/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,579
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,345
−HK$778/mo
Today · 4.125%
HK$30,123
baseline
▲ 0.50% · 4.625%
HK$31,710
+HK$1,587/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,246/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,029
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,056
−HK$1,044/mo
Today · 4.125%
HK$35,100
baseline
▲ 0.50% · 4.625%
HK$37,236
+HK$2,136/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$70,200/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,744
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,729
−HK$1,000/mo
Today · 4.125%
HK$38,729
baseline
▲ 0.50% · 4.625%
HK$40,771
+HK$2,042/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$77,458/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,410 · 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).