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$18,370
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,941
−HK$581/mo
Today · 4.125%
HK$19,522
baseline
▲ 0.50% · 4.625%
HK$20,710
+HK$1,188/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,044/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,436
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,984
−HK$556/mo
Today · 4.125%
HK$21,540
baseline
▲ 0.50% · 4.625%
HK$22,676
+HK$1,136/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,080/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,044
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,729
−HK$697/mo
Today · 4.125%
HK$23,426
baseline
▲ 0.50% · 4.625%
HK$24,851
+HK$1,425/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,852/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,523
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,181
−HK$667/mo
Today · 4.125%
HK$25,848
baseline
▲ 0.50% · 4.625%
HK$27,211
+HK$1,363/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,696/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,718
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,518
−HK$812/mo
Today · 4.125%
HK$27,330
baseline
▲ 0.50% · 4.625%
HK$28,993
+HK$1,663/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,660/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,611
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,378
−HK$778/mo
Today · 4.125%
HK$30,156
baseline
▲ 0.50% · 4.625%
HK$31,746
+HK$1,590/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,312/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,065
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,094
−HK$1,045/mo
Today · 4.125%
HK$35,139
baseline
▲ 0.50% · 4.625%
HK$37,277
+HK$2,138/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$70,278/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,785
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,772
−HK$1,000/mo
Today · 4.125%
HK$38,772
baseline
▲ 0.50% · 4.625%
HK$40,816
+HK$2,044/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$77,544/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,680 · 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).