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$18,365
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,937
−HK$580/mo
Today · 4.125%
HK$19,517
baseline
▲ 0.50% · 4.625%
HK$20,704
+HK$1,187/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,034/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,431
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,979
−HK$556/mo
Today · 4.125%
HK$21,535
baseline
▲ 0.50% · 4.625%
HK$22,670
+HK$1,135/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,070/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,038
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,724
−HK$696/mo
Today · 4.125%
HK$23,420
baseline
▲ 0.50% · 4.625%
HK$24,845
+HK$1,425/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,840/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,517
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,175
−HK$667/mo
Today · 4.125%
HK$25,842
baseline
▲ 0.50% · 4.625%
HK$27,204
+HK$1,362/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,684/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,711
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,511
−HK$813/mo
Today · 4.125%
HK$27,324
baseline
▲ 0.50% · 4.625%
HK$28,986
+HK$1,662/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,648/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,604
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,371
−HK$778/mo
Today · 4.125%
HK$30,149
baseline
▲ 0.50% · 4.625%
HK$31,738
+HK$1,589/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,298/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,057
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,086
−HK$1,044/mo
Today · 4.125%
HK$35,130
baseline
▲ 0.50% · 4.625%
HK$37,268
+HK$2,138/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$70,260/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,776
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,762
−HK$1,001/mo
Today · 4.125%
HK$38,763
baseline
▲ 0.50% · 4.625%
HK$40,806
+HK$2,043/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$77,526/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,622 · 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).