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$18,379
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,951
−HK$581/mo
Today · 4.125%
HK$19,532
baseline
▲ 0.50% · 4.625%
HK$20,720
+HK$1,188/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,064/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,447
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,995
−HK$557/mo
Today · 4.125%
HK$21,552
baseline
▲ 0.50% · 4.625%
HK$22,688
+HK$1,136/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,104/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,055
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,741
−HK$697/mo
Today · 4.125%
HK$23,438
baseline
▲ 0.50% · 4.625%
HK$24,865
+HK$1,427/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$46,876/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,536
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,194
−HK$668/mo
Today · 4.125%
HK$25,862
baseline
▲ 0.50% · 4.625%
HK$27,225
+HK$1,363/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$51,724/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,731
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,532
−HK$813/mo
Today · 4.125%
HK$27,345
baseline
▲ 0.50% · 4.625%
HK$29,009
+HK$1,664/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,690/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,626
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,393
−HK$779/mo
Today · 4.125%
HK$30,172
baseline
▲ 0.50% · 4.625%
HK$31,763
+HK$1,591/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,344/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,083
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,112
−HK$1,046/mo
Today · 4.125%
HK$35,158
baseline
▲ 0.50% · 4.625%
HK$37,297
+HK$2,139/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$70,316/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,805
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,792
−HK$1,001/mo
Today · 4.125%
HK$38,793
baseline
▲ 0.50% · 4.625%
HK$40,838
+HK$2,045/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$77,586/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,808 · 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).