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$18,351
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,922
−HK$580/mo
Today · 4.125%
HK$19,502
baseline
▲ 0.50% · 4.625%
HK$20,688
+HK$1,186/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$39,004/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,415
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,963
−HK$555/mo
Today · 4.125%
HK$21,518
baseline
▲ 0.50% · 4.625%
HK$22,652
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,036/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,021
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,706
−HK$696/mo
Today · 4.125%
HK$23,402
baseline
▲ 0.50% · 4.625%
HK$24,826
+HK$1,424/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,804/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,498
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,155
−HK$667/mo
Today · 4.125%
HK$25,822
baseline
▲ 0.50% · 4.625%
HK$27,183
+HK$1,361/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,644/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,691
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,490
−HK$812/mo
Today · 4.125%
HK$27,302
baseline
▲ 0.50% · 4.625%
HK$28,964
+HK$1,662/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,604/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,581
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,348
−HK$778/mo
Today · 4.125%
HK$30,126
baseline
▲ 0.50% · 4.625%
HK$31,713
+HK$1,587/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,252/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,032
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,059
−HK$1,044/mo
Today · 4.125%
HK$35,103
baseline
▲ 0.50% · 4.625%
HK$37,239
+HK$2,136/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$70,206/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,747
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,733
−HK$1,000/mo
Today · 4.125%
HK$38,733
baseline
▲ 0.50% · 4.625%
HK$40,774
+HK$2,041/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$77,466/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,433 · 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).