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$18,345
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,915
−HK$580/mo
Today · 4.125%
HK$19,495
baseline
▲ 0.50% · 4.625%
HK$20,681
+HK$1,186/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,990/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,408
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,956
−HK$555/mo
Today · 4.125%
HK$21,511
baseline
▲ 0.50% · 4.625%
HK$22,645
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,022/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,014
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,698
−HK$696/mo
Today · 4.125%
HK$23,394
baseline
▲ 0.50% · 4.625%
HK$24,818
+HK$1,424/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,788/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,490
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,147
−HK$666/mo
Today · 4.125%
HK$25,813
baseline
▲ 0.50% · 4.625%
HK$27,174
+HK$1,361/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,626/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,683
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,482
−HK$811/mo
Today · 4.125%
HK$27,293
baseline
▲ 0.50% · 4.625%
HK$28,954
+HK$1,661/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,586/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,572
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,338
−HK$777/mo
Today · 4.125%
HK$30,115
baseline
▲ 0.50% · 4.625%
HK$31,703
+HK$1,588/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,230/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,021
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,048
−HK$1,043/mo
Today · 4.125%
HK$35,091
baseline
▲ 0.50% · 4.625%
HK$37,226
+HK$2,135/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$70,182/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,735
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,720
−HK$1,000/mo
Today · 4.125%
HK$38,720
baseline
▲ 0.50% · 4.625%
HK$40,761
+HK$2,041/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$77,440/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,352 · 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).