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$18,387
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,959
−HK$581/mo
Today · 4.125%
HK$19,540
baseline
▲ 0.50% · 4.625%
HK$20,729
+HK$1,189/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,080/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,456
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,004
−HK$557/mo
Today · 4.125%
HK$21,561
baseline
▲ 0.50% · 4.625%
HK$22,697
+HK$1,136/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,122/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,065
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,751
−HK$697/mo
Today · 4.125%
HK$23,448
baseline
▲ 0.50% · 4.625%
HK$24,875
+HK$1,427/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,896/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,547
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,205
−HK$668/mo
Today · 4.125%
HK$25,873
baseline
▲ 0.50% · 4.625%
HK$27,237
+HK$1,364/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,746/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,742
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,543
−HK$813/mo
Today · 4.125%
HK$27,356
baseline
▲ 0.50% · 4.625%
HK$29,021
+HK$1,665/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,712/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,638
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,406
−HK$779/mo
Today · 4.125%
HK$30,185
baseline
▲ 0.50% · 4.625%
HK$31,776
+HK$1,591/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,370/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,097
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,126
−HK$1,046/mo
Today · 4.125%
HK$35,172
baseline
▲ 0.50% · 4.625%
HK$37,312
+HK$2,140/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$70,344/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,820
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,807
−HK$1,002/mo
Today · 4.125%
HK$38,809
baseline
▲ 0.50% · 4.625%
HK$40,855
+HK$2,046/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$77,618/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,909 · 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).