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$18,373
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,944
−HK$581/mo
Today · 4.125%
HK$19,525
baseline
▲ 0.50% · 4.625%
HK$20,713
+HK$1,188/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,050/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,439
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,987
−HK$557/mo
Today · 4.125%
HK$21,544
baseline
▲ 0.50% · 4.625%
HK$22,679
+HK$1,135/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,088/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,047
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,733
−HK$697/mo
Today · 4.125%
HK$23,430
baseline
▲ 0.50% · 4.625%
HK$24,855
+HK$1,425/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,860/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,527
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,185
−HK$667/mo
Today · 4.125%
HK$25,852
baseline
▲ 0.50% · 4.625%
HK$27,215
+HK$1,363/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,704/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,722
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,522
−HK$813/mo
Today · 4.125%
HK$27,335
baseline
▲ 0.50% · 4.625%
HK$28,998
+HK$1,663/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,670/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,615
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,382
−HK$779/mo
Today · 4.125%
HK$30,161
baseline
▲ 0.50% · 4.625%
HK$31,751
+HK$1,590/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,322/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,071
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,099
−HK$1,045/mo
Today · 4.125%
HK$35,144
baseline
▲ 0.50% · 4.625%
HK$37,283
+HK$2,139/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$70,288/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,791
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,777
−HK$1,001/mo
Today · 4.125%
HK$38,778
baseline
▲ 0.50% · 4.625%
HK$40,823
+HK$2,045/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$77,556/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,718 · 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).