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$18,358
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,929
−HK$581/mo
Today · 4.125%
HK$19,510
baseline
▲ 0.50% · 4.625%
HK$20,697
+HK$1,187/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,020/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,423
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,971
−HK$556/mo
Today · 4.125%
HK$21,527
baseline
▲ 0.50% · 4.625%
HK$22,662
+HK$1,135/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,054/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,030
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,715
−HK$697/mo
Today · 4.125%
HK$23,412
baseline
▲ 0.50% · 4.625%
HK$24,836
+HK$1,424/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,824/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,508
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,165
−HK$667/mo
Today · 4.125%
HK$25,832
baseline
▲ 0.50% · 4.625%
HK$27,194
+HK$1,362/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,664/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,702
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,501
−HK$812/mo
Today · 4.125%
HK$27,313
baseline
▲ 0.50% · 4.625%
HK$28,975
+HK$1,662/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,626/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,593
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,360
−HK$778/mo
Today · 4.125%
HK$30,138
baseline
▲ 0.50% · 4.625%
HK$31,726
+HK$1,588/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,276/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,045
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,073
−HK$1,044/mo
Today · 4.125%
HK$35,117
baseline
▲ 0.50% · 4.625%
HK$37,254
+HK$2,137/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$70,234/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,762
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,748
−HK$1,000/mo
Today · 4.125%
HK$38,748
baseline
▲ 0.50% · 4.625%
HK$40,791
+HK$2,043/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$77,496/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,531 · 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).