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$18,372
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,943
−HK$581/mo
Today · 4.125%
HK$19,524
baseline
▲ 0.50% · 4.625%
HK$20,712
+HK$1,188/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,048/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,438
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,986
−HK$557/mo
Today · 4.125%
HK$21,543
baseline
▲ 0.50% · 4.625%
HK$22,678
+HK$1,135/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,086/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,046
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,732
−HK$696/mo
Today · 4.125%
HK$23,428
baseline
▲ 0.50% · 4.625%
HK$24,854
+HK$1,426/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,856/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,526
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,184
−HK$667/mo
Today · 4.125%
HK$25,851
baseline
▲ 0.50% · 4.625%
HK$27,214
+HK$1,363/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,702/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,720
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,520
−HK$813/mo
Today · 4.125%
HK$27,333
baseline
▲ 0.50% · 4.625%
HK$28,996
+HK$1,663/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,666/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,614
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,381
−HK$779/mo
Today · 4.125%
HK$30,160
baseline
▲ 0.50% · 4.625%
HK$31,749
+HK$1,589/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,320/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,069
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,098
−HK$1,045/mo
Today · 4.125%
HK$35,143
baseline
▲ 0.50% · 4.625%
HK$37,281
+HK$2,138/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$70,286/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,789
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,776
−HK$1,001/mo
Today · 4.125%
HK$38,777
baseline
▲ 0.50% · 4.625%
HK$40,820
+HK$2,043/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$77,554/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,706 · 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).