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$18,386
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,957
−HK$581/mo
Today · 4.125%
HK$19,538
baseline
▲ 0.50% · 4.625%
HK$20,727
+HK$1,189/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,076/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,454
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,002
−HK$557/mo
Today · 4.125%
HK$21,559
baseline
▲ 0.50% · 4.625%
HK$22,695
+HK$1,136/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,118/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,063
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,749
−HK$697/mo
Today · 4.125%
HK$23,446
baseline
▲ 0.50% · 4.625%
HK$24,873
+HK$1,427/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,892/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,544
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,203
−HK$668/mo
Today · 4.125%
HK$25,871
baseline
▲ 0.50% · 4.625%
HK$27,234
+HK$1,363/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,742/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,740
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,540
−HK$814/mo
Today · 4.125%
HK$27,354
baseline
▲ 0.50% · 4.625%
HK$29,018
+HK$1,664/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,708/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,635
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,403
−HK$779/mo
Today · 4.125%
HK$30,182
baseline
▲ 0.50% · 4.625%
HK$31,773
+HK$1,591/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,364/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,094
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,123
−HK$1,046/mo
Today · 4.125%
HK$35,169
baseline
▲ 0.50% · 4.625%
HK$37,309
+HK$2,140/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$70,338/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,817
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,804
−HK$1,002/mo
Today · 4.125%
HK$38,806
baseline
▲ 0.50% · 4.625%
HK$40,851
+HK$2,045/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$77,612/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,888 · 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).