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$18,377
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,949
−HK$580/mo
Today · 4.125%
HK$19,529
baseline
▲ 0.50% · 4.625%
HK$20,718
+HK$1,189/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,058/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,444
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,992
−HK$557/mo
Today · 4.125%
HK$21,549
baseline
▲ 0.50% · 4.625%
HK$22,685
+HK$1,136/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,098/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,052
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,738
−HK$697/mo
Today · 4.125%
HK$23,435
baseline
▲ 0.50% · 4.625%
HK$24,861
+HK$1,426/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$46,870/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,533
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,191
−HK$667/mo
Today · 4.125%
HK$25,858
baseline
▲ 0.50% · 4.625%
HK$27,222
+HK$1,364/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$51,716/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,728
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,528
−HK$813/mo
Today · 4.125%
HK$27,341
baseline
▲ 0.50% · 4.625%
HK$29,005
+HK$1,664/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,682/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,622
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,389
−HK$779/mo
Today · 4.125%
HK$30,168
baseline
▲ 0.50% · 4.625%
HK$31,758
+HK$1,590/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,336/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,079
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,107
−HK$1,046/mo
Today · 4.125%
HK$35,153
baseline
▲ 0.50% · 4.625%
HK$37,292
+HK$2,139/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$70,306/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,800
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,786
−HK$1,002/mo
Today · 4.125%
HK$38,788
baseline
▲ 0.50% · 4.625%
HK$40,832
+HK$2,044/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$77,576/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,776 · 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).