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$18,347
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,918
−HK$580/mo
Today · 4.125%
HK$19,498
baseline
▲ 0.50% · 4.625%
HK$20,684
+HK$1,186/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,996/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,411
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,959
−HK$555/mo
Today · 4.125%
HK$21,514
baseline
▲ 0.50% · 4.625%
HK$22,648
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,028/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,017
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,702
−HK$695/mo
Today · 4.125%
HK$23,397
baseline
▲ 0.50% · 4.625%
HK$24,821
+HK$1,424/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,794/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,493
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,150
−HK$667/mo
Today · 4.125%
HK$25,817
baseline
▲ 0.50% · 4.625%
HK$27,177
+HK$1,360/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,634/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,686
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,485
−HK$812/mo
Today · 4.125%
HK$27,297
baseline
▲ 0.50% · 4.625%
HK$28,958
+HK$1,661/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,594/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,576
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,342
−HK$777/mo
Today · 4.125%
HK$30,119
baseline
▲ 0.50% · 4.625%
HK$31,707
+HK$1,588/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,238/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,025
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,052
−HK$1,044/mo
Today · 4.125%
HK$35,096
baseline
▲ 0.50% · 4.625%
HK$37,231
+HK$2,135/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$70,192/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,740
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,725
−HK$1,000/mo
Today · 4.125%
HK$38,725
baseline
▲ 0.50% · 4.625%
HK$40,766
+HK$2,041/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$77,450/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,384 · 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).