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$18,375
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,947
−HK$581/mo
Today · 4.125%
HK$19,528
baseline
▲ 0.50% · 4.625%
HK$20,716
+HK$1,188/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,056/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,442
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,990
−HK$557/mo
Today · 4.125%
HK$21,547
baseline
▲ 0.50% · 4.625%
HK$22,682
+HK$1,135/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,094/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,050
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,736
−HK$697/mo
Today · 4.125%
HK$23,433
baseline
▲ 0.50% · 4.625%
HK$24,859
+HK$1,426/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$46,866/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,531
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,189
−HK$667/mo
Today · 4.125%
HK$25,856
baseline
▲ 0.50% · 4.625%
HK$27,219
+HK$1,363/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$51,712/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,725
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,526
−HK$813/mo
Today · 4.125%
HK$27,339
baseline
▲ 0.50% · 4.625%
HK$29,002
+HK$1,663/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,678/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,619
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,387
−HK$778/mo
Today · 4.125%
HK$30,165
baseline
▲ 0.50% · 4.625%
HK$31,755
+HK$1,590/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,330/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,075
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,104
−HK$1,046/mo
Today · 4.125%
HK$35,150
baseline
▲ 0.50% · 4.625%
HK$37,288
+HK$2,138/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$70,300/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,796
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,783
−HK$1,001/mo
Today · 4.125%
HK$38,784
baseline
▲ 0.50% · 4.625%
HK$40,828
+HK$2,044/mo
Deposit HK$806K · loan HK$7.25M · min. income ≈ HK$77,568/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,752 · 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).