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$18,362
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,933
−HK$580/mo
Today · 4.125%
HK$19,513
baseline
▲ 0.50% · 4.625%
HK$20,700
+HK$1,187/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,026/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,427
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,975
−HK$556/mo
Today · 4.125%
HK$21,531
baseline
▲ 0.50% · 4.625%
HK$22,666
+HK$1,135/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,062/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,034
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,719
−HK$697/mo
Today · 4.125%
HK$23,416
baseline
▲ 0.50% · 4.625%
HK$24,841
+HK$1,425/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,832/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,513
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,170
−HK$667/mo
Today · 4.125%
HK$25,837
baseline
▲ 0.50% · 4.625%
HK$27,199
+HK$1,362/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,674/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,706
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,506
−HK$812/mo
Today · 4.125%
HK$27,318
baseline
▲ 0.50% · 4.625%
HK$28,981
+HK$1,663/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,636/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,598
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,365
−HK$778/mo
Today · 4.125%
HK$30,143
baseline
▲ 0.50% · 4.625%
HK$31,732
+HK$1,589/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,286/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,051
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,079
−HK$1,045/mo
Today · 4.125%
HK$35,124
baseline
▲ 0.50% · 4.625%
HK$37,261
+HK$2,137/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$70,248/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,769
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,755
−HK$1,000/mo
Today · 4.125%
HK$38,755
baseline
▲ 0.50% · 4.625%
HK$40,798
+HK$2,043/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$77,510/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,574 · 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).