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$18,354
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,925
−HK$580/mo
Today · 4.125%
HK$19,505
baseline
▲ 0.50% · 4.625%
HK$20,692
+HK$1,187/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$39,010/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,418
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,966
−HK$556/mo
Today · 4.125%
HK$21,522
baseline
▲ 0.50% · 4.625%
HK$22,656
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,044/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,025
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,710
−HK$696/mo
Today · 4.125%
HK$23,406
baseline
▲ 0.50% · 4.625%
HK$24,830
+HK$1,424/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,812/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,502
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,159
−HK$667/mo
Today · 4.125%
HK$25,826
baseline
▲ 0.50% · 4.625%
HK$27,187
+HK$1,361/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,652/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,695
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,495
−HK$812/mo
Today · 4.125%
HK$27,307
baseline
▲ 0.50% · 4.625%
HK$28,968
+HK$1,661/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,614/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,586
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,352
−HK$778/mo
Today · 4.125%
HK$30,130
baseline
▲ 0.50% · 4.625%
HK$31,718
+HK$1,588/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,260/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,037
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,064
−HK$1,045/mo
Today · 4.125%
HK$35,109
baseline
▲ 0.50% · 4.625%
HK$37,245
+HK$2,136/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$70,218/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,753
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,739
−HK$1,000/mo
Today · 4.125%
HK$38,739
baseline
▲ 0.50% · 4.625%
HK$40,781
+HK$2,042/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$77,478/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,471 · 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).