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$18,360
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,931
−HK$580/mo
Today · 4.125%
HK$19,511
baseline
▲ 0.50% · 4.625%
HK$20,699
+HK$1,188/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,022/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,425
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,973
−HK$556/mo
Today · 4.125%
HK$21,529
baseline
▲ 0.50% · 4.625%
HK$22,664
+HK$1,135/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,058/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,032
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,717
−HK$697/mo
Today · 4.125%
HK$23,414
baseline
▲ 0.50% · 4.625%
HK$24,838
+HK$1,424/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,828/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,511
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,168
−HK$667/mo
Today · 4.125%
HK$25,835
baseline
▲ 0.50% · 4.625%
HK$27,197
+HK$1,362/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,670/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,704
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,504
−HK$812/mo
Today · 4.125%
HK$27,316
baseline
▲ 0.50% · 4.625%
HK$28,978
+HK$1,662/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,632/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,596
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,363
−HK$778/mo
Today · 4.125%
HK$30,141
baseline
▲ 0.50% · 4.625%
HK$31,729
+HK$1,588/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,282/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,048
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,076
−HK$1,045/mo
Today · 4.125%
HK$35,121
baseline
▲ 0.50% · 4.625%
HK$37,258
+HK$2,137/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$70,242/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,766
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,752
−HK$1,000/mo
Today · 4.125%
HK$38,752
baseline
▲ 0.50% · 4.625%
HK$40,795
+HK$2,043/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$77,504/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,554 · 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).