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$18,393
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,965
−HK$581/mo
Today · 4.125%
HK$19,546
baseline
▲ 0.50% · 4.625%
HK$20,736
+HK$1,190/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,092/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$241,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,462
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,011
−HK$556/mo
Today · 4.125%
HK$21,567
baseline
▲ 0.50% · 4.625%
HK$22,704
+HK$1,137/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,134/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$241,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,071
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,758
−HK$698/mo
Today · 4.125%
HK$23,456
baseline
▲ 0.50% · 4.625%
HK$24,883
+HK$1,427/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,912/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,554
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,213
−HK$668/mo
Today · 4.125%
HK$25,881
baseline
▲ 0.50% · 4.625%
HK$27,245
+HK$1,364/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,762/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,750
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,551
−HK$814/mo
Today · 4.125%
HK$27,365
baseline
▲ 0.50% · 4.625%
HK$29,030
+HK$1,665/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,730/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,647
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,415
−HK$779/mo
Today · 4.125%
HK$30,194
baseline
▲ 0.50% · 4.625%
HK$31,786
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,388/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,107
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,137
−HK$1,046/mo
Today · 4.125%
HK$35,183
baseline
▲ 0.50% · 4.625%
HK$37,324
+HK$2,141/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,366/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,831
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,819
−HK$1,002/mo
Today · 4.125%
HK$38,821
baseline
▲ 0.50% · 4.625%
HK$40,868
+HK$2,047/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,642/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,985 · 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).