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$18,385
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,956
−HK$581/mo
Today · 4.125%
HK$19,537
baseline
▲ 0.50% · 4.625%
HK$20,726
+HK$1,189/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,074/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,453
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,001
−HK$557/mo
Today · 4.125%
HK$21,558
baseline
▲ 0.50% · 4.625%
HK$22,694
+HK$1,136/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,116/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,062
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,748
−HK$697/mo
Today · 4.125%
HK$23,445
baseline
▲ 0.50% · 4.625%
HK$24,872
+HK$1,427/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,890/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,543
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,201
−HK$668/mo
Today · 4.125%
HK$25,869
baseline
▲ 0.50% · 4.625%
HK$27,233
+HK$1,364/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,738/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,738
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,539
−HK$813/mo
Today · 4.125%
HK$27,352
baseline
▲ 0.50% · 4.625%
HK$29,017
+HK$1,665/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,704/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,634
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,402
−HK$779/mo
Today · 4.125%
HK$30,181
baseline
▲ 0.50% · 4.625%
HK$31,772
+HK$1,591/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,362/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,092
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,122
−HK$1,045/mo
Today · 4.125%
HK$35,167
baseline
▲ 0.50% · 4.625%
HK$37,307
+HK$2,140/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$70,334/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,815
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,802
−HK$1,002/mo
Today · 4.125%
HK$38,804
baseline
▲ 0.50% · 4.625%
HK$40,849
+HK$2,045/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$77,608/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,876 · 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).