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$18,391
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,963
−HK$582/mo
Today · 4.125%
HK$19,545
baseline
▲ 0.50% · 4.625%
HK$20,734
+HK$1,189/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,090/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,460
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,009
−HK$557/mo
Today · 4.125%
HK$21,566
baseline
▲ 0.50% · 4.625%
HK$22,702
+HK$1,136/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,132/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,070
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,756
−HK$698/mo
Today · 4.125%
HK$23,454
baseline
▲ 0.50% · 4.625%
HK$24,881
+HK$1,427/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,908/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,552
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,211
−HK$668/mo
Today · 4.125%
HK$25,879
baseline
▲ 0.50% · 4.625%
HK$27,243
+HK$1,364/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,758/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,748
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,549
−HK$813/mo
Today · 4.125%
HK$27,362
baseline
▲ 0.50% · 4.625%
HK$29,027
+HK$1,665/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,724/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,644
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,412
−HK$780/mo
Today · 4.125%
HK$30,192
baseline
▲ 0.50% · 4.625%
HK$31,783
+HK$1,591/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,384/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,104
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,134
−HK$1,046/mo
Today · 4.125%
HK$35,180
baseline
▲ 0.50% · 4.625%
HK$37,321
+HK$2,141/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,360/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,828
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,816
−HK$1,002/mo
Today · 4.125%
HK$38,818
baseline
▲ 0.50% · 4.625%
HK$40,864
+HK$2,046/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,636/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,964 · 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).