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$18,364
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,935
−HK$580/mo
Today · 4.125%
HK$19,515
baseline
▲ 0.50% · 4.625%
HK$20,703
+HK$1,188/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,030/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,430
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,978
−HK$555/mo
Today · 4.125%
HK$21,533
baseline
▲ 0.50% · 4.625%
HK$22,668
+HK$1,135/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,066/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,037
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,722
−HK$697/mo
Today · 4.125%
HK$23,419
baseline
▲ 0.50% · 4.625%
HK$24,844
+HK$1,425/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,838/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,516
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,173
−HK$667/mo
Today · 4.125%
HK$25,840
baseline
▲ 0.50% · 4.625%
HK$27,202
+HK$1,362/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,680/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,709
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,509
−HK$813/mo
Today · 4.125%
HK$27,322
baseline
▲ 0.50% · 4.625%
HK$28,984
+HK$1,662/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,644/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,602
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,369
−HK$778/mo
Today · 4.125%
HK$30,147
baseline
▲ 0.50% · 4.625%
HK$31,736
+HK$1,589/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,294/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,055
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,083
−HK$1,045/mo
Today · 4.125%
HK$35,128
baseline
▲ 0.50% · 4.625%
HK$37,265
+HK$2,137/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$70,256/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,773
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,760
−HK$1,000/mo
Today · 4.125%
HK$38,760
baseline
▲ 0.50% · 4.625%
HK$40,803
+HK$2,043/mo
Deposit HK$805K · loan HK$7.25M · min. income ≈ HK$77,520/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,604 · 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).