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$18,357
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,928
−HK$580/mo
Today · 4.125%
HK$19,508
baseline
▲ 0.50% · 4.625%
HK$20,695
+HK$1,187/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,016/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,422
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,970
−HK$555/mo
Today · 4.125%
HK$21,525
baseline
▲ 0.50% · 4.625%
HK$22,660
+HK$1,135/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,050/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,028
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,714
−HK$696/mo
Today · 4.125%
HK$23,410
baseline
▲ 0.50% · 4.625%
HK$24,834
+HK$1,424/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,820/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,506
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,164
−HK$666/mo
Today · 4.125%
HK$25,830
baseline
▲ 0.50% · 4.625%
HK$27,192
+HK$1,362/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,660/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,700
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,499
−HK$812/mo
Today · 4.125%
HK$27,311
baseline
▲ 0.50% · 4.625%
HK$28,973
+HK$1,662/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,622/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,591
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,357
−HK$778/mo
Today · 4.125%
HK$30,135
baseline
▲ 0.50% · 4.625%
HK$31,724
+HK$1,589/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,270/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,043
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,070
−HK$1,045/mo
Today · 4.125%
HK$35,115
baseline
▲ 0.50% · 4.625%
HK$37,251
+HK$2,136/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$70,230/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,759
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,745
−HK$1,000/mo
Today · 4.125%
HK$38,745
baseline
▲ 0.50% · 4.625%
HK$40,788
+HK$2,043/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$77,490/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,512 · 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).