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$18,352
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,922
−HK$580/mo
Today · 4.125%
HK$19,502
baseline
▲ 0.50% · 4.625%
HK$20,689
+HK$1,187/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$39,004/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,416
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,963
−HK$556/mo
Today · 4.125%
HK$21,519
baseline
▲ 0.50% · 4.625%
HK$22,653
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,038/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,022
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,707
−HK$696/mo
Today · 4.125%
HK$23,403
baseline
▲ 0.50% · 4.625%
HK$24,827
+HK$1,424/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,806/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,499
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,156
−HK$667/mo
Today · 4.125%
HK$25,823
baseline
▲ 0.50% · 4.625%
HK$27,184
+HK$1,361/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,646/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,692
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,491
−HK$812/mo
Today · 4.125%
HK$27,303
baseline
▲ 0.50% · 4.625%
HK$28,965
+HK$1,662/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,606/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,582
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,349
−HK$777/mo
Today · 4.125%
HK$30,126
baseline
▲ 0.50% · 4.625%
HK$31,714
+HK$1,588/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,252/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,033
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,060
−HK$1,044/mo
Today · 4.125%
HK$35,104
baseline
▲ 0.50% · 4.625%
HK$37,240
+HK$2,136/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$70,208/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,749
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,734
−HK$1,000/mo
Today · 4.125%
HK$38,734
baseline
▲ 0.50% · 4.625%
HK$40,776
+HK$2,042/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$77,468/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,441 · 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).