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$18,382
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,954
−HK$581/mo
Today · 4.125%
HK$19,535
baseline
▲ 0.50% · 4.625%
HK$20,724
+HK$1,189/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,070/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,450
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,998
−HK$557/mo
Today · 4.125%
HK$21,555
baseline
▲ 0.50% · 4.625%
HK$22,691
+HK$1,136/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,110/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,059
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,745
−HK$697/mo
Today · 4.125%
HK$23,442
baseline
▲ 0.50% · 4.625%
HK$24,868
+HK$1,426/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$46,884/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,540
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,198
−HK$668/mo
Today · 4.125%
HK$25,866
baseline
▲ 0.50% · 4.625%
HK$27,229
+HK$1,363/mo
Deposit HK$3.22M · loan HK$4.84M · min. income ≈ HK$51,732/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,735
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,536
−HK$813/mo
Today · 4.125%
HK$27,349
baseline
▲ 0.50% · 4.625%
HK$29,013
+HK$1,664/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,698/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,630
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,398
−HK$779/mo
Today · 4.125%
HK$30,177
baseline
▲ 0.50% · 4.625%
HK$31,767
+HK$1,590/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,354/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,088
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,117
−HK$1,046/mo
Today · 4.125%
HK$35,163
baseline
▲ 0.50% · 4.625%
HK$37,302
+HK$2,139/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$70,326/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,810
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,797
−HK$1,002/mo
Today · 4.125%
HK$38,799
baseline
▲ 0.50% · 4.625%
HK$40,844
+HK$2,045/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$77,598/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,845 · 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).