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$18,378
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,950
−HK$580/mo
Today · 4.125%
HK$19,530
baseline
▲ 0.50% · 4.625%
HK$20,719
+HK$1,189/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,060/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,445
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,994
−HK$556/mo
Today · 4.125%
HK$21,550
baseline
▲ 0.50% · 4.625%
HK$22,686
+HK$1,136/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,100/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,053
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,739
−HK$697/mo
Today · 4.125%
HK$23,436
baseline
▲ 0.50% · 4.625%
HK$24,862
+HK$1,426/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$46,872/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,534
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,192
−HK$668/mo
Today · 4.125%
HK$25,860
baseline
▲ 0.50% · 4.625%
HK$27,223
+HK$1,363/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$51,720/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,729
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,529
−HK$814/mo
Today · 4.125%
HK$27,343
baseline
▲ 0.50% · 4.625%
HK$29,006
+HK$1,663/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,686/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,623
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,391
−HK$779/mo
Today · 4.125%
HK$30,170
baseline
▲ 0.50% · 4.625%
HK$31,760
+HK$1,590/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,340/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,080
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,109
−HK$1,046/mo
Today · 4.125%
HK$35,155
baseline
▲ 0.50% · 4.625%
HK$37,294
+HK$2,139/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$70,310/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,801
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,788
−HK$1,002/mo
Today · 4.125%
HK$38,790
baseline
▲ 0.50% · 4.625%
HK$40,834
+HK$2,044/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$77,580/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,788 · 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).