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$18,373
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,945
−HK$580/mo
Today · 4.125%
HK$19,525
baseline
▲ 0.50% · 4.625%
HK$20,713
+HK$1,188/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,050/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,440
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,988
−HK$556/mo
Today · 4.125%
HK$21,544
baseline
▲ 0.50% · 4.625%
HK$22,680
+HK$1,136/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,088/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,048
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,734
−HK$696/mo
Today · 4.125%
HK$23,430
baseline
▲ 0.50% · 4.625%
HK$24,856
+HK$1,426/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,860/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,528
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,186
−HK$667/mo
Today · 4.125%
HK$25,853
baseline
▲ 0.50% · 4.625%
HK$27,216
+HK$1,363/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,706/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,722
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,523
−HK$813/mo
Today · 4.125%
HK$27,336
baseline
▲ 0.50% · 4.625%
HK$28,999
+HK$1,663/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,672/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,616
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,383
−HK$779/mo
Today · 4.125%
HK$30,162
baseline
▲ 0.50% · 4.625%
HK$31,752
+HK$1,590/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,324/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,072
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,100
−HK$1,046/mo
Today · 4.125%
HK$35,146
baseline
▲ 0.50% · 4.625%
HK$37,284
+HK$2,138/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$70,292/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,792
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,779
−HK$1,001/mo
Today · 4.125%
HK$38,780
baseline
▲ 0.50% · 4.625%
HK$40,824
+HK$2,044/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$77,560/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,726 · 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).