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$18,353
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,924
−HK$580/mo
Today · 4.125%
HK$19,504
baseline
▲ 0.50% · 4.625%
HK$20,691
+HK$1,187/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$39,008/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,418
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,965
−HK$556/mo
Today · 4.125%
HK$21,521
baseline
▲ 0.50% · 4.625%
HK$22,655
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,042/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,024
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,709
−HK$696/mo
Today · 4.125%
HK$23,405
baseline
▲ 0.50% · 4.625%
HK$24,829
+HK$1,424/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,810/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,501
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,158
−HK$667/mo
Today · 4.125%
HK$25,825
baseline
▲ 0.50% · 4.625%
HK$27,186
+HK$1,361/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,650/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,694
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,493
−HK$812/mo
Today · 4.125%
HK$27,305
baseline
▲ 0.50% · 4.625%
HK$28,967
+HK$1,662/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,610/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,585
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,351
−HK$778/mo
Today · 4.125%
HK$30,129
baseline
▲ 0.50% · 4.625%
HK$31,717
+HK$1,588/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,258/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,035
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,063
−HK$1,044/mo
Today · 4.125%
HK$35,107
baseline
▲ 0.50% · 4.625%
HK$37,243
+HK$2,136/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$70,214/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,752
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,737
−HK$1,000/mo
Today · 4.125%
HK$38,737
baseline
▲ 0.50% · 4.625%
HK$40,779
+HK$2,042/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$77,474/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,460 · 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).