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$18,355
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,926
−HK$580/mo
Today · 4.125%
HK$19,506
baseline
▲ 0.50% · 4.625%
HK$20,693
+HK$1,187/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$39,012/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,420
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,968
−HK$555/mo
Today · 4.125%
HK$21,523
baseline
▲ 0.50% · 4.625%
HK$22,658
+HK$1,135/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,046/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,027
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,712
−HK$696/mo
Today · 4.125%
HK$23,408
baseline
▲ 0.50% · 4.625%
HK$24,832
+HK$1,424/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,816/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,504
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,161
−HK$667/mo
Today · 4.125%
HK$25,828
baseline
▲ 0.50% · 4.625%
HK$27,190
+HK$1,362/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,656/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,698
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,497
−HK$812/mo
Today · 4.125%
HK$27,309
baseline
▲ 0.50% · 4.625%
HK$28,971
+HK$1,662/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,618/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,588
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,355
−HK$778/mo
Today · 4.125%
HK$30,133
baseline
▲ 0.50% · 4.625%
HK$31,721
+HK$1,588/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,266/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,040
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,068
−HK$1,044/mo
Today · 4.125%
HK$35,112
baseline
▲ 0.50% · 4.625%
HK$37,248
+HK$2,136/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$70,224/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,756
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,742
−HK$1,000/mo
Today · 4.125%
HK$38,742
baseline
▲ 0.50% · 4.625%
HK$40,784
+HK$2,042/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$77,484/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,492 · 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).