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$18,399
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,972
−HK$581/mo
Today · 4.125%
HK$19,553
baseline
▲ 0.50% · 4.625%
HK$20,743
+HK$1,190/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,106/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,469
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,018
−HK$557/mo
Today · 4.125%
HK$21,575
baseline
▲ 0.50% · 4.625%
HK$22,712
+HK$1,137/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,150/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,079
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,766
−HK$698/mo
Today · 4.125%
HK$23,464
baseline
▲ 0.50% · 4.625%
HK$24,891
+HK$1,427/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,928/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,563
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,222
−HK$668/mo
Today · 4.125%
HK$25,890
baseline
▲ 0.50% · 4.625%
HK$27,254
+HK$1,364/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,780/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,759
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,560
−HK$814/mo
Today · 4.125%
HK$27,374
baseline
▲ 0.50% · 4.625%
HK$29,040
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,748/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,657
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,425
−HK$780/mo
Today · 4.125%
HK$30,205
baseline
▲ 0.50% · 4.625%
HK$31,797
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,410/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,119
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,149
−HK$1,046/mo
Today · 4.125%
HK$35,195
baseline
▲ 0.50% · 4.625%
HK$37,337
+HK$2,142/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,390/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,844
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,832
−HK$1,003/mo
Today · 4.125%
HK$38,835
baseline
▲ 0.50% · 4.625%
HK$40,882
+HK$2,047/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,670/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,068 · 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).