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$18,349
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,919
−HK$580/mo
Today · 4.125%
HK$19,499
baseline
▲ 0.50% · 4.625%
HK$20,686
+HK$1,187/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,998/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,413
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,960
−HK$556/mo
Today · 4.125%
HK$21,516
baseline
▲ 0.50% · 4.625%
HK$22,650
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,032/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,018
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,703
−HK$696/mo
Today · 4.125%
HK$23,399
baseline
▲ 0.50% · 4.625%
HK$24,823
+HK$1,424/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,798/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,495
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,152
−HK$667/mo
Today · 4.125%
HK$25,819
baseline
▲ 0.50% · 4.625%
HK$27,180
+HK$1,361/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,638/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,688
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,487
−HK$812/mo
Today · 4.125%
HK$27,299
baseline
▲ 0.50% · 4.625%
HK$28,960
+HK$1,661/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,598/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,578
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,344
−HK$778/mo
Today · 4.125%
HK$30,122
baseline
▲ 0.50% · 4.625%
HK$31,710
+HK$1,588/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,244/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,028
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,055
−HK$1,044/mo
Today · 4.125%
HK$35,099
baseline
▲ 0.50% · 4.625%
HK$37,234
+HK$2,135/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$70,198/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,743
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,728
−HK$1,000/mo
Today · 4.125%
HK$38,728
baseline
▲ 0.50% · 4.625%
HK$40,769
+HK$2,041/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$77,456/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,403 · 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).