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$18,398
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,971
−HK$581/mo
Today · 4.125%
HK$19,552
baseline
▲ 0.50% · 4.625%
HK$20,742
+HK$1,190/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,104/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,468
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,017
−HK$557/mo
Today · 4.125%
HK$21,574
baseline
▲ 0.50% · 4.625%
HK$22,711
+HK$1,137/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,148/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,078
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,765
−HK$698/mo
Today · 4.125%
HK$23,463
baseline
▲ 0.50% · 4.625%
HK$24,890
+HK$1,427/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,926/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,562
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,220
−HK$669/mo
Today · 4.125%
HK$25,889
baseline
▲ 0.50% · 4.625%
HK$27,253
+HK$1,364/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,778/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,758
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,559
−HK$814/mo
Today · 4.125%
HK$27,373
baseline
▲ 0.50% · 4.625%
HK$29,039
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,746/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,655
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,424
−HK$779/mo
Today · 4.125%
HK$30,203
baseline
▲ 0.50% · 4.625%
HK$31,795
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,406/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,117
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,147
−HK$1,047/mo
Today · 4.125%
HK$35,194
baseline
▲ 0.50% · 4.625%
HK$37,335
+HK$2,141/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,388/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,842
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,831
−HK$1,002/mo
Today · 4.125%
HK$38,833
baseline
▲ 0.50% · 4.625%
HK$40,880
+HK$2,047/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,666/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,058 · 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).