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$1,153/mo
▼ 0.25% · 3.875%
HK$18,963
−HK$581/mo
Today · 4.125%
HK$19,544
baseline
▲ 0.50% · 4.625%
HK$20,734
+HK$1,190/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,088/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,460
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,009
−HK$556/mo
Today · 4.125%
HK$21,565
baseline
▲ 0.50% · 4.625%
HK$22,702
+HK$1,137/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,130/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,069
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,756
−HK$697/mo
Today · 4.125%
HK$23,453
baseline
▲ 0.50% · 4.625%
HK$24,880
+HK$1,427/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,906/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,552
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,210
−HK$668/mo
Today · 4.125%
HK$25,878
baseline
▲ 0.50% · 4.625%
HK$27,242
+HK$1,364/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,756/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,748
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,548
−HK$814/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$241,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,644
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,412
−HK$779/mo
Today · 4.125%
HK$30,191
baseline
▲ 0.50% · 4.625%
HK$31,783
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,382/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,961 · 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$37,320
+HK$2,140/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$241,961 · 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$241,961 · 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).