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$18,356
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,927
−HK$580/mo
Today · 4.125%
HK$19,507
baseline
▲ 0.50% · 4.625%
HK$20,694
+HK$1,187/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$39,014/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,421
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,968
−HK$556/mo
Today · 4.125%
HK$21,524
baseline
▲ 0.50% · 4.625%
HK$22,658
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,048/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,027
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,712
−HK$696/mo
Today · 4.125%
HK$23,408
baseline
▲ 0.50% · 4.625%
HK$24,833
+HK$1,425/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,816/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,505
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,162
−HK$667/mo
Today · 4.125%
HK$25,829
baseline
▲ 0.50% · 4.625%
HK$27,190
+HK$1,361/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,658/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,698
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,497
−HK$813/mo
Today · 4.125%
HK$27,310
baseline
▲ 0.50% · 4.625%
HK$28,971
+HK$1,661/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,620/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,589
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,356
−HK$777/mo
Today · 4.125%
HK$30,133
baseline
▲ 0.50% · 4.625%
HK$31,722
+HK$1,589/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,266/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,040
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,068
−HK$1,044/mo
Today · 4.125%
HK$35,112
baseline
▲ 0.50% · 4.625%
HK$37,249
+HK$2,137/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$70,224/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,757
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,743
−HK$1,000/mo
Today · 4.125%
HK$38,743
baseline
▲ 0.50% · 4.625%
HK$40,785
+HK$2,042/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$77,486/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,497 · 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).