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$18,382
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,954
−HK$581/mo
Today · 4.125%
HK$19,535
baseline
▲ 0.50% · 4.625%
HK$20,723
+HK$1,188/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,070/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,450
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,998
−HK$556/mo
Today · 4.125%
HK$21,554
baseline
▲ 0.50% · 4.625%
HK$22,691
+HK$1,137/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,108/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,058
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,744
−HK$697/mo
Today · 4.125%
HK$23,441
baseline
▲ 0.50% · 4.625%
HK$24,868
+HK$1,427/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$46,882/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,540
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,198
−HK$667/mo
Today · 4.125%
HK$25,865
baseline
▲ 0.50% · 4.625%
HK$27,229
+HK$1,364/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$51,730/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,735
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,535
−HK$813/mo
Today · 4.125%
HK$27,348
baseline
▲ 0.50% · 4.625%
HK$29,012
+HK$1,664/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,696/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,629
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,397
−HK$779/mo
Today · 4.125%
HK$30,176
baseline
▲ 0.50% · 4.625%
HK$31,767
+HK$1,591/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,352/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,087
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,117
−HK$1,045/mo
Today · 4.125%
HK$35,162
baseline
▲ 0.50% · 4.625%
HK$37,302
+HK$2,140/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$70,324/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,809
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,797
−HK$1,001/mo
Today · 4.125%
HK$38,798
baseline
▲ 0.50% · 4.625%
HK$40,843
+HK$2,045/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$77,596/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,840 · 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).