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$18,381
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,953
−HK$581/mo
Today · 4.125%
HK$19,534
baseline
▲ 0.50% · 4.625%
HK$20,722
+HK$1,188/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,068/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,449
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,997
−HK$557/mo
Today · 4.125%
HK$21,554
baseline
▲ 0.50% · 4.625%
HK$22,690
+HK$1,136/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,108/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,057
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,744
−HK$697/mo
Today · 4.125%
HK$23,441
baseline
▲ 0.50% · 4.625%
HK$24,867
+HK$1,426/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$46,882/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,539
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,197
−HK$667/mo
Today · 4.125%
HK$25,864
baseline
▲ 0.50% · 4.625%
HK$27,228
+HK$1,364/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$51,728/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,734
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,534
−HK$813/mo
Today · 4.125%
HK$27,347
baseline
▲ 0.50% · 4.625%
HK$29,011
+HK$1,664/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,694/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,628
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,396
−HK$779/mo
Today · 4.125%
HK$30,175
baseline
▲ 0.50% · 4.625%
HK$31,766
+HK$1,591/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,350/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,086
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,115
−HK$1,046/mo
Today · 4.125%
HK$35,161
baseline
▲ 0.50% · 4.625%
HK$37,300
+HK$2,139/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$70,322/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,808
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,795
−HK$1,002/mo
Today · 4.125%
HK$38,797
baseline
▲ 0.50% · 4.625%
HK$40,842
+HK$2,045/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$77,594/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,831 · 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).