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$18,363
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,934
−HK$580/mo
Today · 4.125%
HK$19,514
baseline
▲ 0.50% · 4.625%
HK$20,702
+HK$1,188/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,028/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,428
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,976
−HK$556/mo
Today · 4.125%
HK$21,532
baseline
▲ 0.50% · 4.625%
HK$22,667
+HK$1,135/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,064/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,035
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,721
−HK$696/mo
Today · 4.125%
HK$23,417
baseline
▲ 0.50% · 4.625%
HK$24,842
+HK$1,425/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,834/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,514
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,171
−HK$667/mo
Today · 4.125%
HK$25,838
baseline
▲ 0.50% · 4.625%
HK$27,200
+HK$1,362/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,676/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,708
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,507
−HK$813/mo
Today · 4.125%
HK$27,320
baseline
▲ 0.50% · 4.625%
HK$28,982
+HK$1,662/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,640/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,600
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,367
−HK$778/mo
Today · 4.125%
HK$30,145
baseline
▲ 0.50% · 4.625%
HK$31,734
+HK$1,589/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,290/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,053
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,081
−HK$1,044/mo
Today · 4.125%
HK$35,125
baseline
▲ 0.50% · 4.625%
HK$37,263
+HK$2,138/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$70,250/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,771
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,757
−HK$1,000/mo
Today · 4.125%
HK$38,757
baseline
▲ 0.50% · 4.625%
HK$40,800
+HK$2,043/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$77,514/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,587 · 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).