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$18,388
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,960
−HK$581/mo
Today · 4.125%
HK$19,541
baseline
▲ 0.50% · 4.625%
HK$20,730
+HK$1,189/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,082/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,456
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,005
−HK$556/mo
Today · 4.125%
HK$21,561
baseline
▲ 0.50% · 4.625%
HK$22,698
+HK$1,137/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,122/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,065
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,752
−HK$697/mo
Today · 4.125%
HK$23,449
baseline
▲ 0.50% · 4.625%
HK$24,876
+HK$1,427/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,898/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,547
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,206
−HK$668/mo
Today · 4.125%
HK$25,874
baseline
▲ 0.50% · 4.625%
HK$27,237
+HK$1,363/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,748/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,743
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,543
−HK$814/mo
Today · 4.125%
HK$27,357
baseline
▲ 0.50% · 4.625%
HK$29,022
+HK$1,665/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,714/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,639
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,407
−HK$779/mo
Today · 4.125%
HK$30,186
baseline
▲ 0.50% · 4.625%
HK$31,777
+HK$1,591/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,372/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,098
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,127
−HK$1,046/mo
Today · 4.125%
HK$35,173
baseline
▲ 0.50% · 4.625%
HK$37,314
+HK$2,141/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$70,346/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,821
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,809
−HK$1,001/mo
Today · 4.125%
HK$38,810
baseline
▲ 0.50% · 4.625%
HK$40,856
+HK$2,046/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$77,620/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,916 · 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).