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$18,342
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,912
−HK$580/mo
Today · 4.125%
HK$19,492
baseline
▲ 0.50% · 4.625%
HK$20,678
+HK$1,186/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,984/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,405
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,952
−HK$556/mo
Today · 4.125%
HK$21,508
baseline
▲ 0.50% · 4.625%
HK$22,641
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,016/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,010
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,695
−HK$696/mo
Today · 4.125%
HK$23,391
baseline
▲ 0.50% · 4.625%
HK$24,814
+HK$1,423/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,782/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,486
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,143
−HK$666/mo
Today · 4.125%
HK$25,809
baseline
▲ 0.50% · 4.625%
HK$27,170
+HK$1,361/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,618/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,679
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,477
−HK$812/mo
Today · 4.125%
HK$27,289
baseline
▲ 0.50% · 4.625%
HK$28,949
+HK$1,660/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,578/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,567
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,333
−HK$778/mo
Today · 4.125%
HK$30,111
baseline
▲ 0.50% · 4.625%
HK$31,698
+HK$1,587/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,222/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,015
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,042
−HK$1,044/mo
Today · 4.125%
HK$35,086
baseline
▲ 0.50% · 4.625%
HK$37,221
+HK$2,135/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$70,172/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,729
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,714
−HK$1,000/mo
Today · 4.125%
HK$38,714
baseline
▲ 0.50% · 4.625%
HK$40,754
+HK$2,040/mo
Deposit HK$804K · loan HK$7.24M · min. income ≈ HK$77,428/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,314 · 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).